Credit Cards

[FicoTron]

I want a BCP, I've had a gold card for 4 billing periods running $1500+ through it and paying immediately when it cuts.  I want an Amex revolver because within a year my cl should be at least over $10,000 even if they start me at the low amount of $2000.   I have had two rebuilders for 2 years, perfect history, my scores are up to par, it's just a 6+ year old CO for $400 as my only blemish.  Should I apply?

[iMacDrew]

i say do it, if you spend a lot of money on groceries, gas and department stores. If you dont spend so much on groceries why not just app for the BCE?

[FicoTron]

The way I spend slightly puts BCP over BCE, I did the math.  Plus if my situation changes, that 6% on groceries is crazy good.  Not to mention I have an 80 mile commute to work, so the extra % on gas helps too.

[FicoTron]

It's a soft pull if I am declined right?  So if I app now and am declined, I can try again in a few months, it's really a no brainier I think....someone stop me!

[xiownthisplacex]

Yep, it would be a SP if you're denied, so go for it!

[Koop10010]

All indications I've seen is that existing Amex customers don't receive hard pulls from denials, you should go ahead and apply.

[Crashem]

Wait till jan for max backdating.  Otherwise app away now.

[patternofstars7]

I say go for it.. I just applied for a BCE with a 678 with two COs and a few lates from 5+ years ago. I also had a gold card and run through the same amount and was approved. Plus its a soft pull if denied so it's totally worth it.

[FicoTron]

Does it matter if I app online or doi have to do it by phone to not get HP?

[emptypockets]

No, it does not matter.