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Which card to get next?

Super Contributor

Re: Which card to get next?


528491 wrote:

Am I technically out of the garden if the Amex denial was a soft pull? I was never clear on that.

I did try the preapproval sites, but they didn't come up with anything.

It looks like it's down to the Chase Freedom and the Citi Forward. I have to say, the $100 bonus on the Freedom looks mighty enticing, although I do remember there being times when they offered $250 or even $300.


Ok im lost only one person said app Amex which was bad info IMHO

everyone else said freedom or student card from Citi 

So sounds to me as if you just wasted a HP please tell me you didn't app Amex?

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 11 of 18
Contributor

No, I apped for Amex BCE a few days ago and was denied, b...

No, I apped for Amex BCE a few days ago and was denied, but it's OK as it was only a soft pull because I already have the Zync.


     $1500            $1500             $2500             $2500             NPSL         
Starting EQ: 646 - Current EQ: 693 - Goal EQ for 12/2013: >720
Gardening from 7/2013 until 1/2014
Message 12 of 18
Super Contributor

Re: No, I apped for Amex BCE a few days ago and was denied, b...


528491 wrote:

No, I apped for Amex BCE a few days ago and was denied, but it's OK as it was only a soft pull because I already have the Zync.


Ok you had me worried ....Weeeh 

it was a SP because you are already a customer 

New question why was it denied?

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 13 of 18
Contributor

Re: No, I apped for Amex BCE a few days ago and was denied, b...

The only reason they gave was "length of time with American Express is too short."


     $1500            $1500             $2500             $2500             NPSL         
Starting EQ: 646 - Current EQ: 693 - Goal EQ for 12/2013: >720
Gardening from 7/2013 until 1/2014
Message 14 of 18
Super Contributor

Re: No, I apped for Amex BCE a few days ago and was denied, b...


528491 wrote:

The only reason they gave was "length of time with American Express is too short."


How long have you had the account at least a year right? guessing b/c it's a zync

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 15 of 18
Contributor

Re: No, I apped for Amex BCE a few days ago and was denied, b...

Almost, since August.

At this point I'll probably wait on that card until January so I can get maximum backdating.


     $1500            $1500             $2500             $2500             NPSL         
Starting EQ: 646 - Current EQ: 693 - Goal EQ for 12/2013: >720
Gardening from 7/2013 until 1/2014
Message 16 of 18
Super Contributor

Re: No, I apped for Amex BCE a few days ago and was denied, b...


528491 wrote:

Almost, since August.

At this point I'll probably wait on that card until January so I can get maximum backdating.


Thats why I asked yes yes yes 

YMMV but freedom and citi student would be good chances of approval especially when they see $5000 credit limit with Amex

Go to chase and Citi sites and see if you have any pre-approvals 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 17 of 18
Highlighted
Moderator Emerita

Re: Which card to get next?

IMO, wait to see if Barclays gives you an auto CLI. It's been 6 mos so you should get one- then app for the Forward and/or Freedom.
Message 18 of 18