https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220577#M341186 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/537487">@afbar1114</a> wrote:<BR />yea thats what i thought and to get that 150 wouldnt be much for me i spend that much on gas in 3 months and my 11000 zync points would transfer over and double points on gas. anything for hotels?<HR /></BLOCKQUOTE><P>Hotels booked through Amex may have a point multiplier. Other than that is 1 point per dollar. The AF is 175 though, not 150.</P> Sun, 12 Feb 2012 20:13:48 GMT Anonymous 2012-02-12T20:13:48Z https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220491#M341165 should i try for amex PR gold in 2months? i mean if i get deneid its only a sp Sun, 12 Feb 2012 19:32:20 GMT https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220491#M341165 afbar1114 2012-02-12T19:32:20Z https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220493#M341166 <P>Its a fantastic card with multipliers and proctections. I would if you feel ready for it. Your zync points will transfer over to regular MR points.</P> Sun, 12 Feb 2012 19:33:19 GMT https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220493#M341166 Anonymous 2012-02-12T19:33:19Z https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220499#M341168 <P>App finger itching again?</P> Sun, 12 Feb 2012 19:35:13 GMT https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220499#M341168 Anonymous 2012-02-12T19:35:13Z https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220521#M341175 yea <img id="smileysad" class="emoticon emoticon-smileysad" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-sad.gif" alt="Smiley Sad" title="Smiley Sad" /> but i need a good card for vacation Sun, 12 Feb 2012 19:49:42 GMT https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220521#M341175 afbar1114 2012-02-12T19:49:42Z https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220527#M341176 <P>Travel often? What about platinum?</P> Sun, 12 Feb 2012 19:51:37 GMT https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220527#M341176 Anonymous 2012-02-12T19:51:37Z https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220535#M341177 not that often once maybe twice a year... and plat is too much for me right now Sun, 12 Feb 2012 19:53:42 GMT https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220535#M341177 afbar1114 2012-02-12T19:53:42Z https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220551#M341178 <P>PR gold would be the next best thing then.</P> Sun, 12 Feb 2012 20:00:58 GMT https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220551#M341178 Anonymous 2012-02-12T20:00:58Z https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220567#M341182 yea thats what i thought and to get that 150 wouldnt be much for me i spend that much on gas in 3 months and my 11000 zync points would transfer over and double points on gas. anything for hotels? Sun, 12 Feb 2012 20:09:21 GMT https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220567#M341182 afbar1114 2012-02-12T20:09:21Z https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220577#M341186 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/537487">@afbar1114</a> wrote:<BR />yea thats what i thought and to get that 150 wouldnt be much for me i spend that much on gas in 3 months and my 11000 zync points would transfer over and double points on gas. anything for hotels?<HR /></BLOCKQUOTE><P>Hotels booked through Amex may have a point multiplier. Other than that is 1 point per dollar. The AF is 175 though, not 150.</P> Sun, 12 Feb 2012 20:13:48 GMT https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220577#M341186 Anonymous 2012-02-12T20:13:48Z https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220581#M341188 ok 150 is still not bad Sun, 12 Feb 2012 20:15:03 GMT https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220581#M341188 afbar1114 2012-02-12T20:15:03Z https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220585#M341190 175 ....cant edit from phone Sun, 12 Feb 2012 20:15:55 GMT https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220585#M341190 afbar1114 2012-02-12T20:15:55Z https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220587#M341191 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/537487">@afbar1114</a> wrote:<BR />should i try for amex PR gold in 2months? i mean if i get deneid its only a sp<HR /></BLOCKQUOTE><P><BR />If tis going to be a SP I don't see the issue with it. But you want to put yourself in the best possible situation for approval so maybe gardening a little more will help.</P> Sun, 12 Feb 2012 20:16:52 GMT https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220587#M341191 LS2982 2012-02-12T20:16:52Z https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220605#M341193 ill see where i am at in 2-3 months i am hoping utl will be below 15% by then Sun, 12 Feb 2012 20:20:44 GMT https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220605#M341193 afbar1114 2012-02-12T20:20:44Z https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220609#M341195 <P>Couldn't you get some of the same features of the PR gold through purchasing an SPG membership?</P> Sun, 12 Feb 2012 20:21:21 GMT https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220609#M341195 Anonymous 2012-02-12T20:21:21Z https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220613#M341196 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/537487">@afbar1114</a> wrote:<BR />ill see where i am at in 2-3 months i am hoping utl will be below 15% by then<HR /></BLOCKQUOTE><P><BR />Try for between 1-5% when you app for it, it will look better for you.</P> Sun, 12 Feb 2012 20:22:26 GMT https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220613#M341196 LS2982 2012-02-12T20:22:26Z https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220645#M341202 whats spg Sun, 12 Feb 2012 20:30:06 GMT https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220645#M341202 afbar1114 2012-02-12T20:30:06Z https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220671#M341205 <P>Starwood Prefered Guest. Aside from the credit card, itself, there used to be a way to get a membership by calling Amex. IIRC, it's free.</P> Sun, 12 Feb 2012 20:38:47 GMT https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220671#M341205 Anonymous 2012-02-12T20:38:47Z https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220711#M341212 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>Starwood Prefered Guest. Aside from the credit card, itself, there used to be a way to get a membership by calling Amex. IIRC, it's free.</P><HR /></BLOCKQUOTE><P>SPG Gold is free with platinum cards. Thats the only SPG membership ive heard of from Amex.</P> Sun, 12 Feb 2012 21:05:39 GMT https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220711#M341212 Anonymous 2012-02-12T21:05:39Z https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220971#M341265 <P>just spoke with AMEX said if i got zync i will get gold.so i plan on paying down UTL seeing were i am at in 2-3 months</P> Mon, 13 Feb 2012 00:09:07 GMT https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220971#M341265 afbar1114 2012-02-13T00:09:07Z https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220981#M341267 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/537487">@afbar1114</a> wrote:<BR /><P>just spoke with AMEX said if i got zync i will get gold.so i plan on paying down UTL seeing were i am at in 2-3 months</P><HR /></BLOCKQUOTE><P><BR />Garden !!!!!!</P> Mon, 13 Feb 2012 00:12:51 GMT https://ficoforums.myfico.com/t5/Credit-Cards/should-i/m-p/1220981#M341267 CS800 2012-02-13T00:12:51Z