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Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012
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Re: What cards are you wanting next?

1. Citi Hilton Reserve

2. Chase Hyatt

3. JPM Ritz Carlton or Fidelity Private Client Amex (unsure which one at the moment).

 

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Established Member
Posts: 24
Registered: ‎07-25-2012
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Re: What cards are you wanting next?

I'm thinking some kind of visa or mastercard with an EMV no forex and perferably cashback rewards to round out my current wallet would be good. However, I am more worried about getting a morgage than a rewards Visa/MC in my goals. I feel like i've only got one foot in the prime/premium cards door. I have such a thin file i'm not sure how good I can do with getting cards. My scores are decent just not a lot of history to back them. The US Bank Cash+ is very tempting. A visa signature would be really nice too.

 

FICO: Ex 782(AMEX)
Cards: Amex BCE(2500), Discover(2500), Target (500)
App'd Amex & Target Jul 2012, Gardening til 2013 or beyond
Goals: Visa or MC Rewards Card after first home (2014-2015)
Contributor
Posts: 167
Registered: ‎07-13-2011
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Re: What cards are you wanting next?

I want the BCP soooo bad. I'm about 2 months away from applying.....

Second on the list is the US Bank Cash+
Fico Scores: TU 734 (08/12/2012) and EQ 716 (12/08/2012)

AMEX BCP $10,000 (opened 09/2012) - Citi TYP $6500 (opened 12/2012) Chase Freedom $1500 (opened 09/2012)

GMAC Mortgage $181,000 (opened 07/2011) - Car Loan $18,000 (opended 01/2011)
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Posts: 10,932
Registered: ‎12-30-2011
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Re: What cards are you wanting next?

[ Edited ]

Sweets8E wrote:

Amex BCE

Amex PRG 

 

I really want to upgrade my Zync. I'm going 12 months here in a few days, but from what I've been reading, the option to PC isn't there unless you went to a Zync from a Green or Gold. Bummer....Interestingly enough though, they "Amex" make it sound like it's possible. Last rep just told me to call back on the 13th month. :smileyindifferent:

 


Off-topic but call in anyway Sweets.  These sorts of things can and do change with lenders and while it's been true for roughly the past year that we're aware of, a bunch of lenders changed their practices a month or two ago, and I'd be surprised if Amex was any different in that.  They may now allow for it as I think the Zync customer demographics have changed a little bit from their initial intention.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Registered: ‎11-02-2010
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Re: What cards are you wanting next?


ajh5408 wrote:

I want to see something fundamentally new and different, regardless of the provider... USB's Cash+ made a bit of a splash with customizable rewards, and Barclay's Ring card could have been great if it wasn't so vague about its benefits like the so-called "profit sharing" program. It would be a real treat if AMEX was the one to push the envelope, but I'm game for anything that reshapes the relationship between lenders and borrowers. In my mind, big retail banks have the best shot at doing this, as they have the opportunity to build better, more complex relationships with customers who have credit accounts, but also deposit and/or investment accounts with them. The cross-product elements are there (like Citi's ThankYou program), they just aren't doing much to make anything exciting out of it... A bank will offer me $100 to get their credit product, and $100 to get their deposit product, but diddly squat to actually use them both simultaneously!

 

So I guess the short answer is: I'm pretty apathetic about the current selection of cards out there, and am not really eyeing anything in particular right now.


 

I'd be thrilled if Amex would beef up the rewards with the lower tier charge cards, such as the Green. I really like the card, except that it's a flat 1% MR points structure. If they could beef it up to, say 2% gas and dining, that would be a step in the right direction. That being said, I have to admit that I've really enjoyed some of their statement credit deals through Twitter and/or Facebook.

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012
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Re: What cards are you wanting next?


tinuviel wrote:

ajh5408 wrote:

I want to see something fundamentally new and different, regardless of the provider... USB's Cash+ made a bit of a splash with customizable rewards, and Barclay's Ring card could have been great if it wasn't so vague about its benefits like the so-called "profit sharing" program. It would be a real treat if AMEX was the one to push the envelope, but I'm game for anything that reshapes the relationship between lenders and borrowers. In my mind, big retail banks have the best shot at doing this, as they have the opportunity to build better, more complex relationships with customers who have credit accounts, but also deposit and/or investment accounts with them. The cross-product elements are there (like Citi's ThankYou program), they just aren't doing much to make anything exciting out of it... A bank will offer me $100 to get their credit product, and $100 to get their deposit product, but diddly squat to actually use them both simultaneously!

 

So I guess the short answer is: I'm pretty apathetic about the current selection of cards out there, and am not really eyeing anything in particular right now.


 

I'd be thrilled if Amex would beef up the rewards with the lower tier charge cards, such as the Green. I really like the card, except that it's a flat 1% MR points structure. If they could beef it up to, say 2% gas and dining, that would be a step in the right direction. That being said, I have to admit that I've really enjoyed some of their statement credit deals through Twitter and/or Facebook.

 


Changing the plat's earning to 1.25 or 1.5 points per dollar spent would be better. The Green card exists moreso as a legacy icon, and for those who downgrade from a PRG or plat but don't want to lose their MR points. They'd be better off focusing on the upper-end, and I simply can't see them focus on their low-end charge cards. They have the Zync for that.

 

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Contributor
Posts: 84
Registered: ‎03-11-2011
0

Re: What cards are you wanting next?

My list is short and vague :smileyhappy:.... At least one card each from Chase and Amex ......not sure which ones at this point.... 

 

and/or  higher limits on what I have now :smileyhappy:


Starting Score: 534 11/09
Current Score: FICO 652 05/11
Goal Score: 700+


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Frequent Contributor
Posts: 348
Registered: ‎08-17-2012
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Re: What cards are you wanting next?

US Bank Cash + and CSP are on my shortlist once I finish up grad school and get some 5k+ tradelines reporting

EQ 778 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k
Regular Contributor
Posts: 156
Registered: ‎07-11-2012
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Re: What cards are you wanting next?

If my utilization is where it needs to be, definitely an Amex revolver in January, probably BCE to use instead of Zync. Other than that I will be quite satisfied!

In full gardening/ debt annihilation mode! (4/15/13)
Notre Dame FCU Visa 0/2k (8/04); CapOne Best Buy 800/1.5k (7\06)
Citi Thank You World MC 4800/9.7k (1/11); Amex Zync NPSL (9/11)
Chase Freedom Visa 1600/3.8k (9/11); Chase Southwest RR Premier Visa Signature 4300/10.7k (6/12); Discover It 0/3k (7/12)
EQ: 751 (4/1/13) EX: 742 (4/8/13) TU: 732 (4/8/13)
Frequent Contributor
Posts: 262
Registered: ‎03-07-2009
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Re: What cards are you wanting next?

I think I will. It won't hurt to try just to see if they'll allow it.


Revelate wrote:

Sweets8E wrote:

Amex BCE

Amex PRG 

 

I really want to upgrade my Zync. I'm going 12 months here in a few days, but from what I've been reading, the option to PC isn't there unless you went to a Zync from a Green or Gold. Bummer....Interestingly enough though, they "Amex" make it sound like it's possible. Last rep just told me to call back on the 13th month. :smileyindifferent:

 


Off-topic but call in anyway Sweets.  These sorts of things can and do change with lenders and while it's been true for roughly the past year that we're aware of, a bunch of lenders changed their practices a month or two ago, and I'd be surprised if Amex was any different in that.  They may now allow for it as I think the Zync customer demographics have changed a little bit from their initial intention.

 


 


Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three


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