@FishingGuy @OmarGB9 Thanks for the advice, which PIF is the plan as it's the way I had normally operated during my rebuild. (Normally I PIF before the statement, but sometimes I leave a small amount to report, than I PIF before due date. Current credit UTL is 3% with 2% of that coming from my AU card).
Also Thank you All for the congrats!
@FLLGuy I see you that you do really like AMEX, 5 of your 12 cards are from AMEX (not counting the 2 AU cards). Maybe later after I garden a year or two, I'll apply to the Blue Cash Preferred for the 6% cash back on groceries, which is double what SavorOne offers.
@IamWesty12, I'm glad you were able to get back with AMEX, I'm in a similar situation with Navy Federal Credit Union. I had no choice but to burn them during a BK13 after my divorce (I had an auto loan and Credit Card was up-to-date with them, but I had to file to get other creditors off my back). Unfortunately, NFCU never forgets, and unless I pay back over the over $15K that was discharged, they would never offer a credit product to me even again. As far as my relationship with AMEX, this is my first with them.
Congrats on your AMEX Gold approval
Concur with @FishingGuy. I set a side the money I plan on spending with my Credit Cards in a separate checking account. I used that separate checking account solely paying off my debts as before the statement is cut. I also juggle with cards I allowed to report a low balance than PIF right after a statement is cut to efforts to keep all my cards active.
@citymunky wrote:@IamWesty12, I'm glad you were able to get back with AMEX, I'm in a similar situation with Navy Federal Credit Union. I had no choice but to burn them during a BK13 after my divorce (I had an auto loan and Credit Card was up-to-date with them, but I had to file to get other creditors off my back). Unfortunately, NFCU never forgets, and unless I pay back over the over $15K that was discharged, they would never offer a credit product to me even again. As far as my relationship with AMEX, this is my first with them.
@citymunky ahh I see now. So funny, our stories are similar about who we burned during divorces but cards are flopped, lol. Truth of the matter, it was a bit long ago for me so I can't recall if I had paid Amex back or not but I guess if I didn't pay them years ago I would not be welcomed back in??? Or maybe that is why the limit has been stalled at $1k??? I get it though if that is the case, I burned them once, why would they give me that chance again to do it twice! I love that I am in with NFCU, from the 2 mths I have been a member, I see great things from them. If I hadn't been approved for a USDA 502 direct mortgage I would have probably applied with them for my mortgage. Well, live and learn ey??? Congrats and enjoy!
Starting Score: 461
