AMEX BCE or USAA Visa?

[xgac12x]

And one more thing, should I just go for the Chase Freedom? Or should I go for any more at the time that I do apply for the card. (Jan-Feb Time)

[09Lexie]

You'll definitely be in a better position once your util is down, accts/inq's have aged. You'll also see an increase in your CS by then too.

[JonStur]

+1..you'll also gonna need to be around 700, low inqs, low utils to even be close to qualifying for an Amex revolver. But have a little more patience and you'll be there!

[xgac12x]

Should I go for the AMEX Green Instead?

[09Lexie]

Now or in 6 mos?

[xgac12x]

In the 6 months. 

[09Lexie]

I'm a big proponent of apping for the cc you want. If you don't want a Green or a charge, why do it? If your credit score and util are ready- might as well app for the BCE.

[xgac12x]

Understood. Thank you!

[chnceit]

I agree with Lexie - if you are going to apply in 6 months then wait to apply for the BCE - the card you want

I only reason I said to look at their charge cards is because I thought you wanted to apply now so I suggested to build that relationship with AMEX and the Green & Gold have no AF for the first year.