AMEX Cards

[credithappy]

I am so happy I have received 4 new AMEX cards with instantly approval in the last month and this month. I have the PR Gold card, ZNYC, P Blue Sky and the Hilton HHonors. I am going to the garden now for at least 2 years. I am going to close my Capital One and HSBC cards. I know my score is going decrease because I am closing these cards but I do not need them anymore. My BK is going to be remove at the end of this year. AMEX back dated my cards to 1994 also. Everything is looking up for me so far. At this time I do not know my credit scores.

[trumpet-205]

That's a lot of AMEX. I'm curious as to your spending pattern.

Congrats.

Just so let you know, I just got approved with Zync.

[credithappy]

My spending pattern is very limited as I do not charge much. I am going to us the cards for traveling and with small purchases.

[credithappy]

Thank you,

I meant to say Congra to you also. BTW you have a lot of AMEX cards also. WOW

[BobbyJ]

Congrats on the cards.  Amex was very nice to you!!!!

Im curious how you got approved for all the cards with a BK still reporting?

[DI]

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@credithappy wrote:
My spending pattern is very limited as I do not charge much. I am going to us the cards for traveling and with small purchases.

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You're willing to pay annual fees for 3 of the 4 cards with minimum usage?  

[credithappy]

Thank you BobbyJ. I do not know I guess me paying my bills on time works. I just applied online and it worked. They see everything on your report.

[credithappy]

I have 1 year free on the PR gold card and 0% on the blue card for 12 months with and annual fee of $75 and the Hilton is 2.90% for 6 months with no AF. The ZNYC is only $25 for the year. I can afford the fees I have a 6 figure salary.

[Anonymous]

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@credithappy wrote:
I am so happy I have received 4 new AMEX cards with instantly approval in the last month and this month. I have the PR Gold card, ZNYC, P Blue Sky and the Hilton HHonors. I am going to the garden now for at least 2 years. I am going to close my Capital One and HSBC cards. I know my score is going decrease because I am closing these cards but I do not need them anymore. My BK is going to be remove at the end of this year. AMEX back dated my cards to 1994 also. Everything is looking up for me so far. At this time I do not know my credit scores.

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Closing cards, in and of itself, doesn't decrease FICO scores.  Here's a good read that helps explain when closing a card might and when it may not impact your score.

[credithappy]

I understand it may or may not change your score. I have read that before thanks for including it in the post.