08-06-2013 07:50 PM
THanks ... yea I find it strange cap one hasnt increased my CL, I do have rewards on it but do not really care bc the CL so low. My AF is $35 and I accepted at the time bc it was my first card a few years ago
But back to the amex, I hear mixed things about how they treat charge card customers when applying to credit cards. I hope you are right though.
why the BCP though?
try and get that af removed
08-06-2013 07:55 PM
I was also wondering is it better to call when applying or just apply online? does this even make a difference? I have mixed feelings on this , just wondering your opinion?
BCP because I don't see how you can't make the AF worth it and if you really find you can't then downgrade next year but 6% grocery and bonus!
And to be more specific, "groceries" means anything you buy at a supermarket. Many of them have a wide range of gift cards to other places, such as stores, restaurants and gas. If you buy the card at the supermarket, you get 6% cash back, which is equivalent to getting 6% all those other places. Most people will find it easy to spend the $6K a year, even if their real usual grocery bill is a fraction of that amount.
08-06-2013 07:58 PM
they will totally take off the AF if I agree to upgrade to quicksilver, but no other changes for 6 months if I would have agreed to take it. I really do not get the lack of CLI
I did not know what to do so I just didnt change anything
08-06-2013 08:03 PM
Thanks for the advice on BCP, I actually spoke to my aunt about the BCP today and she said it is def. woth the AF, in a couple weeks it will be one year that I have had an HP and my utilization should reflect on my CR, so I will app then, I will you guys posted on the amex and also if I hear from Crap one
08-06-2013 08:41 PM
Good luck on your app. BCE and BCP are definitely one of the best AMEX IMO.
However, you might need to note that unlike other credit cards, AMEX BCE (and BCP) reward dollars will be posted after the next statement close (one month late).
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.