topic Re: Need advise for Amex application for Jan 2015 in Credit Cards

Need advise for Amex application for Jan 2015

Guinness — Sat, 20 Dec 2014 18:43:57 GMT

Happy Holidays and Merry Christmas everyone! Due to this wonderful forum I have gone from a starting FICO of low 600 to a TU score of 746 amd EX score of 749 EQ is still a nightmare of 687 but still better than what I was at.

So last week I finally got in with Amex (so excited) Delta gold my SL is only $1k but that ok happy to get my feet in. I was told to app for my second Amex in January need advise which card to apply for and when. I was considering the PRG, Everyday prefered or the BCP. I already have a Sams club MC and Sallie Mae. I would also like to qualify for the 61 day 3X increase but I read if I apply for a second card the 61 day starts again from the last application (please confirm).

I went pretty crazy with the applying for credit and have racked up a crazy amount of inquaires (26 in TU and 32 in EX ) and credit cards. The second Amex is pretty much my last application unless something crazy (diners club) comes available in 2015. I think I read the second Amex card would be a soft pull and only a hard pull if I get approved (please confirm).

So based upon the above do you think I can get another Amex in January and which card should I apply for? I appreciate any advise

Re: Need advise for Amex application for Jan 2015

red259 — Sat, 20 Dec 2014 18:50:44 GMT

@Guinness wrote:
Happy Holidays and Merry Christmas everyone! Due to this wonderful forum I have gone from a starting FICO of low 600 to a TU score of 746 amd EX score of 749 EQ is still a nightmare of 687 but still better than what I was at.

So last week I finally got in with Amex (so excited) Delta gold my SL is only $1k but that ok happy to get my feet in. I was told to app for my second Amex in January need advise which card to apply for and when. I was considering the PRG, Everyday prefered or the BCP. I already have a Sams club MC and Sallie Mae. I would also like to qualify for the 61 day 3X increase but I read if I apply for a second card the 61 day starts again from the last application (please confirm).

I went pretty crazy with the applying for credit and have racked up a crazy amount of inquaires (26 in TU and 32 in EX ) and credit cards. The second Amex is pretty much my last application unless something crazy (diners club) comes available in 2015. I think I read the second Amex card would be a soft pull and only a hard pull if I get approved (please confirm).

So based upon the above do you think I can get another Amex in January and which card should I apply for? I appreciate any advise

I'm not really sure that its great advice to be applying for an amex next month. With all those inqs and the fact you just got a new amex card with a low credit line I'd be concerned about potential adverse action for agressive credit seeking. You just literally got in with them and barely at that. To go back and try for more seems dangerous. I agree that normally Jan is the best time to apply for amex cards (if you have one already), but in your case I would strongly discourage it. You need to garden and let these inqs age. Do your SP 3x CLI with amex. I also do not see that a PRG card would necessarily be a great fit for you since you are already in with amex (there may be other reasons it works for you but its a charge card not revolver). Typically its a SP on app and HP on approval, but nothing is guaranteed.

Re: Need advise for Amex application for Jan 2015

Anonymous — Sat, 20 Dec 2014 18:52:13 GMT

@red259 wrote:
@Guinness wrote:
Happy Holidays and Merry Christmas everyone! Due to this wonderful forum I have gone from a starting FICO of low 600 to a TU score of 746 amd EX score of 749 EQ is still a nightmare of 687 but still better than what I was at.

So last week I finally got in with Amex (so excited) Delta gold my SL is only $1k but that ok happy to get my feet in. I was told to app for my second Amex in January need advise which card to apply for and when. I was considering the PRG, Everyday prefered or the BCP. I already have a Sams club MC and Sallie Mae. I would also like to qualify for the 61 day 3X increase but I read if I apply for a second card the 61 day starts again from the last application (please confirm).

I went pretty crazy with the applying for credit and have racked up a crazy amount of inquaires (26 in TU and 32 in EX ) and credit cards. The second Amex is pretty much my last application unless something crazy (diners club) comes available in 2015. I think I read the second Amex card would be a soft pull and only a hard pull if I get approved (please confirm).

So based upon the above do you think I can get another Amex in January and which card should I apply for? I appreciate any advise
I'm not really sure that its great advice to be applying for an amex next month. With all those inqs and the fact you just got a new amex card with a low credit line I'd be concerned about potential adverse action for agressive credit seeking. You just literally got in with them and barely at that. To go back and try for more seems dangerous. I agree that normally Jan is the best time to apply for amex cards (if you have one already), but in your case I would strongly discourage it. You need to garden and let these inqs age. Do your SP 3x CLI with amex. I also do not see that a PRG card would necessarily be a great fit for you since you are already in with amex (there may be other reasons it works for you but its a charge card not revolver). Typically its a SP on app and HP on approval, but nothing is guaranteed.

I fully agree. You have WAYYYY too many inquiries (I should talk, right? )

Cool it for a year or more then see how you do.

Re: Need advise for Amex application for Jan 2015

Guinness — Sat, 20 Dec 2014 19:01:54 GMT

Thanks for the advise. I had a feeling that was what would be advised. Oh well ...at least I got in and my MSD date will be in 2014. Never thought I could become addicted to applying for credit Need to go find a corner and cold turkey for at least a year

Re: Need advise for Amex application for Jan 2015

lg8302ch — Sat, 20 Dec 2014 19:06:10 GMT

January is a good month for a subsequent Amex card but that does not need to be 2015. I would recommend to wait until 2016 and garden your cards and age off your inquiries. Go for the 3 x CLI at the 61day mark but do not app for any new cards would be my recommendation.

Re: Need advise for Amex application for Jan 2015

Guinness — Sat, 20 Dec 2014 19:09:49 GMT

@lg8302ch wrote:
January is a good month for a subsequent Amex card but that does not need to be 2015. I would recommend to wait until 2016 and garden your cards and age off your inquiries. Go for the 3 x CLI at the 61day mark but do not app for any new cards would be my recommendation.

That is awsome! Thank you for the heads up on applying in 2016 and I would still get Jan 2014 as my MSD so excited. Makes the coming months a little bit easier to face knowing there is a reward for wait. Hopefully Amex will grant me a decent sL in 2016 as an established member

Re: Need advise for Amex application for Jan 2015

mongstradamus — Sat, 20 Dec 2014 19:32:18 GMT

@Guinness wrote:
@lg8302ch wrote:
January is a good month for a subsequent Amex card but that does not need to be 2015. I would recommend to wait until 2016 and garden your cards and age off your inquiries. Go for the 3 x CLI at the 61day mark but do not app for any new cards would be my recommendation.
That is awsome! Thank you for the heads up on applying in 2016 and I would still get Jan 2014 as my MSD so excited. Makes the coming months a little bit easier to face knowing there is a reward for wait. Hopefully Amex will grant me a decent sL in 2016 as an established member

Advice to wait is spot on here, but we can play pretend for an second and pretend its end of 2015 now. As far as which card to get depends on how much travel you plan on doing or if you want pure cashback. Since all three cards have bonus categories for gas and groceries. you need to decide if you will be using card to purchase airfare, hotels, train fare etc. If you think an lot of spending will be in that category i would go for PRG , I would preferably wait for 50k offer. Now if you just want to accumulate MR points but don't travel as much EDP or ED is an good option, especially if you can meet 20 or 30 swipes an month. Lastly BCP or BCE is only good if you want an cash back option, because MR to statement credit or gift cards is an horrendous use of MR, you get .5% value or there abouts.

Re: Need advise for Amex application for Jan 2015

lg8302ch — Sat, 20 Dec 2014 19:37:03 GMT

@mongstradamus wrote:
@Guinness wrote:
@lg8302ch wrote:
January is a good month for a subsequent Amex card but that does not need to be 2015. I would recommend to wait until 2016 and garden your cards and age off your inquiries. Go for the 3 x CLI at the 61day mark but do not app for any new cards would be my recommendation.
That is awsome! Thank you for the heads up on applying in 2016 and I would still get Jan 2014 as my MSD so excited. Makes the coming months a little bit easier to face knowing there is a reward for wait. Hopefully Amex will grant me a decent sL in 2016 as an established member
Advice to wait is spot on here, but we can play pretend for an second and pretend its end of 2015 now. As far as which card to get depends on how much travel you plan on doing or if you want pure cashback. Since all three cards have bonus categories for gas and groceries. you need to decide if you will be using card to purchase airfare, hotels, train fare etc. If you think an lot of spending will be in that category i would go for PRG , I would preferably wait for 50k offer. Now if you just want to accumulate MR points but don't travel as much EDP or ED is an good option, especially if you can meet 20 or 30 swipes an month. Lastly BCP or BCE is only good if you want an cash back option, because MR to statement credit or gift cards is an horrendous use of MR, you get .5% value or there abouts.

....and I was about to say that the big advantage of waiting will give you time to think over which other Amex makes most sense for your spending pattern

Re: Need advise for Amex application for Jan 2015

Guinness — Sat, 20 Dec 2014 19:55:48 GMT

@mongstradamus wrote:
@Guinness wrote:
@lg8302ch wrote:
January is a good month for a subsequent Amex card but that does not need to be 2015. I would recommend to wait until 2016 and garden your cards and age off your inquiries. Go for the 3 x CLI at the 61day mark but do not app for any new cards would be my recommendation.
That is awsome! Thank you for the heads up on applying in 2016 and I would still get Jan 2014 as my MSD so excited. Makes the coming months a little bit easier to face knowing there is a reward for wait. Hopefully Amex will grant me a decent sL in 2016 as an established member
Advice to wait is spot on here, but we can play pretend for an second and pretend its end of 2015 now. As far as which card to get depends on how much travel you plan on doing or if you want pure cashback. Since all three cards have bonus categories for gas and groceries. you need to decide if you will be using card to purchase airfare, hotels, train fare etc. If you think an lot of spending will be in that category i would go for PRG , I would preferably wait for 50k offer. Now if you just want to accumulate MR points but don't travel as much EDP or ED is an good option, especially if you can meet 20 or 30 swipes an month. Lastly BCP or BCE is only good if you want an cash back option, because MR to statement credit or gift cards is an horrendous use of MR, you get .5% value or there abouts.

Thank you for the great advise! I do have travel cards Arrival+ and Venture so I think I am leaning towards the EDP 2015 is going to drag so slow. Might have to stop logging into the forum so I wont get tempted from other peoples approvals

Re: Need advise for Amex application for Jan 2015

mongstradamus — Sat, 20 Dec 2014 20:01:22 GMT

@Guinness wrote:
@mongstradamus wrote:
@Guinness wrote:
@lg8302ch wrote:
January is a good month for a subsequent Amex card but that does not need to be 2015. I would recommend to wait until 2016 and garden your cards and age off your inquiries. Go for the 3 x CLI at the 61day mark but do not app for any new cards would be my recommendation.
That is awsome! Thank you for the heads up on applying in 2016 and I would still get Jan 2014 as my MSD so excited. Makes the coming months a little bit easier to face knowing there is a reward for wait. Hopefully Amex will grant me a decent sL in 2016 as an established member
Advice to wait is spot on here, but we can play pretend for an second and pretend its end of 2015 now. As far as which card to get depends on how much travel you plan on doing or if you want pure cashback. Since all three cards have bonus categories for gas and groceries. you need to decide if you will be using card to purchase airfare, hotels, train fare etc. If you think an lot of spending will be in that category i would go for PRG , I would preferably wait for 50k offer. Now if you just want to accumulate MR points but don't travel as much EDP or ED is an good option, especially if you can meet 20 or 30 swipes an month. Lastly BCP or BCE is only good if you want an cash back option, because MR to statement credit or gift cards is an horrendous use of MR, you get .5% value or there abouts.
Thank you for the great advise! I do have travel cards Arrival+ and Venture so I think I am leaning towards the EDP 2015 is going to drag so slow. Might have to stop logging into the forum so I wont get tempted from other peoples approvals

Nice i am just curious why you have both venture and arrival + aren't they pretty similar cards? EDP is an nice card to have , i am using it almost primarily for most of my purchases. CSP is the other card i use just for dining. I like having CSP and to lesser extent ink plus for the no FTF for the times i do travel outside US. The one thing about amex cards that are an slight annoyance is that almost all their cards have FTF.

Re: Need advise for Amex application for Jan 2015

NRB525 — Sat, 20 Dec 2014 20:05:20 GMT

@Guinness wrote:
@lg8302ch wrote:
January is a good month for a subsequent Amex card but that does not need to be 2015. I would recommend to wait until 2016 and garden your cards and age off your inquiries. Go for the 3 x CLI at the 61day mark but do not app for any new cards would be my recommendation.
That is awsome! Thank you for the heads up on applying in 2016 and I would still get Jan 2014 as my MSD so excited. Makes the coming months a little bit easier to face knowing there is a reward for wait. Hopefully Amex will grant me a decent sL in 2016 as an established member

I also agree OP should wait to app. That $1k limit that AMEX just gave you? It's a signal that you have a very narrow ledge to work with to really get in the door. You are still kind of on the doorstep, not really safely in. Use the card carefully, pay in full, and see what the first 3X CLI request gives you in a few months. If all goes well, in a year you will be doing well with those AMEX Apps.

However, having recommended the "correct" way to proceed, given the range of "Ohhh Shiny!" comments in the first post, I am going to bet that when Diners opens again, the OP apps that. This will provide us with interesting data points both for human behavior and for how Diners Version 2 approaches hyper-appers.

Cheers!

Re: Need advise for Amex application for Jan 2015

Guinness — Sat, 20 Dec 2014 20:12:34 GMT

@NRB525 wrote:
@Guinness wrote:
@lg8302ch wrote:
January is a good month for a subsequent Amex card but that does not need to be 2015. I would recommend to wait until 2016 and garden your cards and age off your inquiries. Go for the 3 x CLI at the 61day mark but do not app for any new cards would be my recommendation.
That is awsome! Thank you for the heads up on applying in 2016 and I would still get Jan 2014 as my MSD so excited. Makes the coming months a little bit easier to face knowing there is a reward for wait. Hopefully Amex will grant me a decent sL in 2016 as an established member
I also agree OP should wait to app. That $1k limit that AMEX just gave you? It's a signal that you have a very narrow ledge to work with to really get in the door. You are still kind of on the doorstep, not really safely in. Use the card carefully, pay in full, and see what the first 3X CLI request gives you in a few months. If all goes well, in a year you will be doing well with those AMEX Apps.

However, having recommended the "correct" way to proceed, given the range of "Ohhh Shiny!" comments in the first post, I am going to bet that when Diners opens again, the OP apps that. This will provide us with interesting data points both for human behavior and for how Diners Version 2 approaches hyper-appers.

Cheers!

LOL I actually did apply and took 4 HP on Diners during the frenzy and was approved for both the Premire and Elite SL $15k each. I did get declined twice due to unable to verify ID before finally reading the address issue Diners was having. Yah I like pretty shiny things my husband shakes his head and tells me I have problems when I get excited over a new credit card vs. a new pair of shoes or a purse....

Re: Need advise for Amex application for Jan 2015

NRB525 — Sat, 20 Dec 2014 20:22:54 GMT

@Guinness wrote:
@NRB525 wrote:
@Guinness wrote:
@lg8302ch wrote:
January is a good month for a subsequent Amex card but that does not need to be 2015. I would recommend to wait until 2016 and garden your cards and age off your inquiries. Go for the 3 x CLI at the 61day mark but do not app for any new cards would be my recommendation.
That is awsome! Thank you for the heads up on applying in 2016 and I would still get Jan 2014 as my MSD so excited. Makes the coming months a little bit easier to face knowing there is a reward for wait. Hopefully Amex will grant me a decent sL in 2016 as an established member
I also agree OP should wait to app. That $1k limit that AMEX just gave you? It's a signal that you have a very narrow ledge to work with to really get in the door. You are still kind of on the doorstep, not really safely in. Use the card carefully, pay in full, and see what the first 3X CLI request gives you in a few months. If all goes well, in a year you will be doing well with those AMEX Apps.

However, having recommended the "correct" way to proceed, given the range of "Ohhh Shiny!" comments in the first post, I am going to bet that when Diners opens again, the OP apps that. This will provide us with interesting data points both for human behavior and for how Diners Version 2 approaches hyper-appers.

Cheers!
LOL I actually did apply and took 4 HP on Diners during the frenzy and was approved for both the Premire and Elite SL $15k each. I did get declined twice due to unable to verify ID before finally reading the address issue Diners was having. Yah I like pretty shiny things my husband shakes his head and tells me I have problems when I get excited over a new credit card vs. a new pair of shoes or a purse....

Just tell DH you saved money by not buying any shoes. Remember: It's not what you spend, it's how much you save that matters

Re: Need advise for Amex application for Jan 2015

Guinness — Sat, 20 Dec 2014 20:30:25 GMT

@mongstradamus wrote:
@Guinness wrote:
@mongstradamus wrote:
@Guinness wrote:
@lg8302ch wrote:
January is a good month for a subsequent Amex card but that does not need to be 2015. I would recommend to wait until 2016 and garden your cards and age off your inquiries. Go for the 3 x CLI at the 61day mark but do not app for any new cards would be my recommendation.
That is awsome! Thank you for the heads up on applying in 2016 and I would still get Jan 2014 as my MSD so excited. Makes the coming months a little bit easier to face knowing there is a reward for wait. Hopefully Amex will grant me a decent sL in 2016 as an established member
Advice to wait is spot on here, but we can play pretend for an second and pretend its end of 2015 now. As far as which card to get depends on how much travel you plan on doing or if you want pure cashback. Since all three cards have bonus categories for gas and groceries. you need to decide if you will be using card to purchase airfare, hotels, train fare etc. If you think an lot of spending will be in that category i would go for PRG , I would preferably wait for 50k offer. Now if you just want to accumulate MR points but don't travel as much EDP or ED is an good option, especially if you can meet 20 or 30 swipes an month. Lastly BCP or BCE is only good if you want an cash back option, because MR to statement credit or gift cards is an horrendous use of MR, you get .5% value or there abouts.
Thank you for the great advise! I do have travel cards Arrival+ and Venture so I think I am leaning towards the EDP 2015 is going to drag so slow. Might have to stop logging into the forum so I wont get tempted from other peoples approvals
Nice i am just curious why you have both venture and arrival + aren't they pretty similar cards? EDP is an nice card to have , i am using it almost primarily for most of my purchases. CSP is the other card i use just for dining. I like having CSP and to lesser extent ink plus for the no FTF for the times i do travel outside US. The one thing about amex cards that are an slight annoyance is that almost all their cards have FTF.

I applied for the arrival+ for the sign up bonus already paid for an emergency trip to Colorado. The Venture card also for the sign up bonus plus we have a trip to Europe planned for 2015 so wanted 2 cards with no FTF. Chase wont give me the time of day took 4 HP trying to get back in with them. Took 6 HP tries to get in with Amex so a big bulk of my HP was wasted trying to get in with Chase and Amex...

Re: Need advise for Amex application for Jan 2015

Guinness — Sat, 20 Dec 2014 20:33:27 GMT

@NRB525 wrote:
@Guinness wrote:
@NRB525 wrote:
@Guinness wrote:
@lg8302ch wrote:
January is a good month for a subsequent Amex card but that does not need to be 2015. I would recommend to wait until 2016 and garden your cards and age off your inquiries. Go for the 3 x CLI at the 61day mark but do not app for any new cards would be my recommendation.
That is awsome! Thank you for the heads up on applying in 2016 and I would still get Jan 2014 as my MSD so excited. Makes the coming months a little bit easier to face knowing there is a reward for wait. Hopefully Amex will grant me a decent sL in 2016 as an established member
I also agree OP should wait to app. That $1k limit that AMEX just gave you? It's a signal that you have a very narrow ledge to work with to really get in the door. You are still kind of on the doorstep, not really safely in. Use the card carefully, pay in full, and see what the first 3X CLI request gives you in a few months. If all goes well, in a year you will be doing well with those AMEX Apps.

However, having recommended the "correct" way to proceed, given the range of "Ohhh Shiny!" comments in the first post, I am going to bet that when Diners opens again, the OP apps that. This will provide us with interesting data points both for human behavior and for how Diners Version 2 approaches hyper-appers.

Cheers!
LOL I actually did apply and took 4 HP on Diners during the frenzy and was approved for both the Premire and Elite SL $15k each. I did get declined twice due to unable to verify ID before finally reading the address issue Diners was having. Yah I like pretty shiny things my husband shakes his head and tells me I have problems when I get excited over a new credit card vs. a new pair of shoes or a purse....
Just tell DH you saved money by not buying any shoes. Remember: It's not what you spend, it's how much you save that matters

Yes I keep telling him how much in cash back and reward we get by using the CC and paying off monthly vs only using cash/ debit cards. He just shakes his head

Re: Need advise for Amex application for Jan 2015

mongstradamus — Sat, 20 Dec 2014 20:48:15 GMT

@Guinness wrote:
@mongstradamus wrote:
@Guinness wrote:
@mongstradamus wrote:
@Guinness wrote:
@lg8302ch wrote:
January is a good month for a subsequent Amex card but that does not need to be 2015. I would recommend to wait until 2016 and garden your cards and age off your inquiries. Go for the 3 x CLI at the 61day mark but do not app for any new cards would be my recommendation.
That is awsome! Thank you for the heads up on applying in 2016 and I would still get Jan 2014 as my MSD so excited. Makes the coming months a little bit easier to face knowing there is a reward for wait. Hopefully Amex will grant me a decent sL in 2016 as an established member
Advice to wait is spot on here, but we can play pretend for an second and pretend its end of 2015 now. As far as which card to get depends on how much travel you plan on doing or if you want pure cashback. Since all three cards have bonus categories for gas and groceries. you need to decide if you will be using card to purchase airfare, hotels, train fare etc. If you think an lot of spending will be in that category i would go for PRG , I would preferably wait for 50k offer. Now if you just want to accumulate MR points but don't travel as much EDP or ED is an good option, especially if you can meet 20 or 30 swipes an month. Lastly BCP or BCE is only good if you want an cash back option, because MR to statement credit or gift cards is an horrendous use of MR, you get .5% value or there abouts.
Thank you for the great advise! I do have travel cards Arrival+ and Venture so I think I am leaning towards the EDP 2015 is going to drag so slow. Might have to stop logging into the forum so I wont get tempted from other peoples approvals
Nice i am just curious why you have both venture and arrival + aren't they pretty similar cards? EDP is an nice card to have , i am using it almost primarily for most of my purchases. CSP is the other card i use just for dining. I like having CSP and to lesser extent ink plus for the no FTF for the times i do travel outside US. The one thing about amex cards that are an slight annoyance is that almost all their cards have FTF.
I applied for the arrival+ for the sign up bonus already paid for an emergency trip to Colorado. The Venture card also for the sign up bonus plus we have a trip to Europe planned for 2015 so wanted 2 cards with no FTF. Chase wont give me the time of day took 4 HP trying to get back in with them. Took 6 HP tries to get in with Amex so a big bulk of my HP was wasted trying to get in with Chase and Amex...

Ahhh i see with all those HP you need an slight break from apping. The denials are usually an good sign to garden. I am still trying to figure out what i would use either venture or arrival+ for. I don't think my spending would warrant paying AF after first year. I would probably use DC type card instead, gives an bit more flexibility for me. Right now citi aa and boa alaska air are cards i am eyeing, they have pretty good value for what i would use those points for.

Re: Need advise for Amex application for Jan 2015

Kenny — Sun, 21 Dec 2014 05:08:27 GMT

Closed the Delta skymiles in preparation for a revolver app in January. (Thinking the ED might be the card to go for... might do EDP if the first year is waived and the bonus is good enough. I haven't researched enough to know which one is best for me as of yet.)

Re: Need advise for Amex application for Jan 2015

red259 — Sun, 21 Dec 2014 06:38:19 GMT

@Kenny wrote:
Closed the Delta skymiles in preparation for a revolver app in January. (Thinking the ED might be the card to go for... might do EDP if the first year is waived and the bonus is good enough. I haven't researched enough to know which one is best for me as of yet.)

Don't think they waive the first year for everyday preferred. I'm not sure what the breakpoint is for when the EDP becomes better than the ED. The signup bonus isn't normally that great either. These are cards you get because you want the cards long term for the earning potential. These are not the type of cards where the value lies in the signup offers.

Re: Need advise for Amex application for Jan 2015

Kenny — Sun, 21 Dec 2014 07:26:23 GMT

@red259 wrote:
@Kenny wrote:
Closed the Delta skymiles in preparation for a revolver app in January. (Thinking the ED might be the card to go for... might do EDP if the first year is waived and the bonus is good enough. I haven't researched enough to know which one is best for me as of yet.)
Don't think they waive the first year for everyday preferred. I'm not sure what the breakpoint is for when the EDP becomes better than the ED. The signup bonus isn't normally that great either. These are cards you get because you want the cards long term for the earning potential. These are not the type of cards where the value lies in the signup offers.

Right. I looked at them, and looks like the Everyday card makes sense for me in January. The EDP doesn't to me, at all. Can't understand the 95 AF on it. Not sure. Still have a good bit of time to further narrow the choices down.

Re: Need advise for Amex application for Jan 2015

lg8302ch — Sun, 21 Dec 2014 07:58:35 GMT

@Kenny wrote:
@red259 wrote:
@Kenny wrote:
Closed the Delta skymiles in preparation for a revolver app in January. (Thinking the ED might be the card to go for... might do EDP if the first year is waived and the bonus is good enough. I haven't researched enough to know which one is best for me as of yet.)
Don't think they waive the first year for everyday preferred. I'm not sure what the breakpoint is for when the EDP becomes better than the ED. The signup bonus isn't normally that great either. These are cards you get because you want the cards long term for the earning potential. These are not the type of cards where the value lies in the signup offers.
Right. I looked at them, and looks like the Everyday card makes sense for me in January. The EDP doesn't to me, at all. Can't understand the 95 AF on it. Not sure. Still have a good bit of time to further narrow the choices down.

Same for me but the ED is a nice card to keep the MR points "alive" .. personally I am waiting for the 30K SPG offer to come back and this hopefully at the beginning of the year and not towards the end....want some backdating and not further kill my AAoA..lol