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Regular Contributor
Johnny_Favorite
Posts: 266
Registered: ‎09-05-2012
0

Which AMEX Would Be Good for this Profile?

[ Edited ]

28 years old female - 44000 a year

 

1 Bank of America Visa with $5000 limit - 5 years old, reporting 2200 on report but recently paid off (not reporting the payoff).

1 Citi Card (closed/paid as agreed) - 1000 limit (6 years old acct)

1 Daniels Jewelers (closed/paid as agreed) - 500 limit (5 years old acct)

no lates whatsoever

 

5 inquiries Experian

5 inquiries Equifax

1 inquiry Trans Union

 

Recently approved for Discover More, Chase Freedom, etc. but not reporting yet. Approved about a week ago with limits between 2000-4000

 

Fako scores of 730-740 across all bureaus.

 

This info is for my friend




Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Which AMEX Would Be Good for this Profile?

[ Edited ]

hmm well youd likely want a tu pulled card. 

so anything from ge. 

 

walmart/sams club ae etc.... 

 

and with a 5k card reporting id say youd get the discover version. 

 

are those new cards included in the inq? what limits did they get. 

 

id say wait until the boa reports 0 or whatever you paid and then app for something ge. 

you could do it now but it would help in the long run. 

 

 


wow ok is she looking for a charge card or a revolver? 

most of the uw is the same for all the charge cards. 

if she shops at costco id suggest the true earning since its a great card with cash back and no af with costco membership. 

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Regular Contributor
Johnny_Favorite
Posts: 266
Registered: ‎09-05-2012
0

Re: Which AMEX Would Be Good for this Profile?

New cards she received (but not reporting yet)

 

Discover More (2000)

Chase Freedom (4000)

Citi Diamond (2000)

Target Red (500)




Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Which AMEX Would Be Good for this Profile?

edited last post!

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Regular Contributor
Johnny_Favorite
Posts: 266
Registered: ‎09-05-2012
0

Re: Which AMEX Would Be Good for this Profile?

I think she's just looking to get her foot in the door with AMEX.

 

She prefers something with NO FEE.

 

Charge or Revolver doesn't matter, just wants to establish a relationship without getting denied for credit.

 

 




Regular Contributor
DeadSpider
Posts: 244
Registered: ‎07-29-2012
0

Re: Which AMEX Would Be Good for this Profile?

If you cook at home a lot which lots of people do go for Blue Cash Preferred @ $75AF or BCE no AF.

You'll get $300+ back a year with BCP assuming you put about $500 a month on groceries and not including gas or miscellanies.

If you need a referral PM me your email.

Cap1 QS $11500, Freedom $5000K, Slate $8000 Amex Sky $2000K, Discover IT $4400, BCE $8800, NFL $1500, Lowes $7000

Starting Score: 0
Current Score: 742
Goal Score: 800


Take the FICO Fitness Challenge
Regular Contributor
Johnny_Favorite
Posts: 266
Registered: ‎09-05-2012
0

Re: Which AMEX Would Be Good for this Profile?

Do you think they will approve her for blue cash despite her 5 inquiries? I have a feeling they are going to pull Experian (she's in California)

 

Would Zync be less inquiry sensitive?

 




Established Contributor
shakalaka
Posts: 567
Registered: ‎09-10-2012
0

Re: Which AMEX Would Be Good for this Profile?


Johnny_Favorite wrote:

Do you think they will approve her for blue cash despite her 5 inquiries? I have a feeling they are going to pull Experian (she's in California)

 

Would Zync be less inquiry sensitive?

 


There is no more Zync. You can not apply for it any more since 10/1

 


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 758 (10/12) EQ 724 (10/22) EX 748 (12/5)

Regular Contributor
DeadSpider
Posts: 244
Registered: ‎07-29-2012
0

Re: Which AMEX Would Be Good for this Profile?

Go for Blue Cash Zync is no longer available ITS GOOOOOOOONNNNNNEEEEEEE :catsad:

Cap1 QS $11500, Freedom $5000K, Slate $8000 Amex Sky $2000K, Discover IT $4400, BCE $8800, NFL $1500, Lowes $7000

Starting Score: 0
Current Score: 742
Goal Score: 800


Take the FICO Fitness Challenge
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Which AMEX Would Be Good for this Profile?


Johnny_Favorite wrote:

Do you think they will approve her for blue cash despite her 5 inquiries? I have a feeling they are going to pull Experian (she's in California)

 

Would Zync be less inquiry sensitive?

 


zync is not offered anymore. 

 

but if she wants no af i would go for bce. (blue cash everyday) 

 

are those inq all in the past year

honestly though with her aaoa and spotless record even with a year of cards (since its not reported yet just the inq) 

i would think she would be fine but its all ymmv. 

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000

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