Hey guys, I have my eye on the blue cash everyday from amex. A month ago, I got approved for the chase sapphire preferred and afterwards was feeling brave and applied for the bce and was denied. They pulled experian and I've since confirmed it was a soft pull. I have my experian and transunion frozen since they both have 2 negative accounts still reporting that I have months disputing. I have asked every lender I've applied with(Amex, Chase twice, Barclays) to pull my Equifax and all have. What I am thinking to do, is to not login to the amex site and apply. Then I can call in afterwards and request they pull Equifax without mentioning I'm currently a Zync cardholder. Thoughts ??? Thanks for any and all feedback.
The green doesn't interest me. I'd rather keep the Zync and pay the 25 dollar AF versus a 95 dollar AF on the green. Also I've requested lenders pull my Equifax because its the cleanest of my three. The cards I own(chase freedom, chase sapphire preferred, amex zync, barclay reward mc) I have had since August.
I thought you could not convert the green to the bce since the green is a charge card and the other a revolver. Am I mistaken ???
So why do you think I should apply for the green ??? I'm already in with Amex since I've had a Zync since August 2012, so is it because it would look better to have the green coupled with the Zync ???
I would think just having the Zync is enough. My experian fico according to Amex a couple months back was 645. I still have two negative accounts from years ago reporting on them. One falls off next year, the other 3 years from now. My thinking was well if I can get in with them maybe that will help my chances, and I was approved for the Zync(npsl) almost 6 months ago. I also own a chase freedom(1500cl), barclays rewards mastercard(1500cl), and chase sapphire preferred(5000cl).
