Amex Card Offer got me a Platinum Card and a BCE cash back card

[Anonymous]

I will say that I appreaciate the help in understanding what I have been doing. I like the great education that you guys are giving me. Coming here and opening up like this has only helped me. I thank you all for this, I have already cancelled the bad cards and working to reworking my wallet. I can be honest and say that I dont know it all. So I am sure you all know how much this means to get you all to reply to this thread. I mentioned the Centurion Card because I was feeling good about being approved for the card below it which is the Platinum card from Amex. But the dont get to ahead of yourself responses and education have sure made this thread useful for me.

Thank you all!

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@wasCB14 wrote:

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@longtimelurker wrote:

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@Anonymous wrote:

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@AverageJoesCredit wrote:
You're makin 300k and your still sportin 2 First Premier cards?. Slice and dice baby , slice and dice

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I thought that I had to keep them and cut the cards but had to keep them. So I have been afraid to get rid of them. But the more I read people have been tossing them as well as either converting or getting rid of their secured cards as well. For which I have two.

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No need to keep at all.   Just a pointless AF.

But, why the BCE?   Your EDP covers supermarkets and gas at a better rate, especially if you manage your 30 swipes a month.

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Offer farming is reason enough for me to keep my BCE open. I have spending alerts on it, and can call the Platinum CS line with any problems.

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I do appreciate all of the education from everyone. Lets me see that I have alot to learn still. Thanks for the help.

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Paging Themanwhocan  .... not to derail the thread, and no offense, but it sounds like we need to rework your entire wallet....... If you make 300k a year, well, I wont jump to think you are a millionaire. Maybe you live in a huge city and have high costs of living... Forget about the centurion...

Close both first premier cards tomorrow, or Monday if you want to wait (I really mean yesterday).  Discover IT, request increases monthly, but if the card is 90 days old, and your scores are not super low from CC's... take a HP and ask for the CL you want and need (of course wait if its secured)..  Its a rewards card, and with your income surely it is maxed out sometimes...until then PIF any card like that before statement cut date, and any others you can afford to that arent 0%.

Does you capital one qs1 have an annual fee?  Get on chat, ask for an interest rate reduction, hopefully permanent, and a conversion to the no annual fee one.  Before that, reallocate your limits.  That way you can also ask for a visa signature upgrade.  Put all your limits to the oldest card, and just convert to quicksilver.  Unless for some reason one of them has a super low interest rate and you have older cards than the cap1s.

WF every 6 months do an increase, but it will probably cost you a HP, so dont bother.  Go for the propel world when you have not opened many acconts in the last 6 months, assuming you have opened more than 5 major credit cards in those last 24 months, otherwise there are better bonuses to be had.

What was your exact offer on the amex BCE and platinum? Hopefully you got good ones, and you can reallocate credit limit from your other amex card assuming its 13 months old.  Look up amex 3x cli if you wish.

Anyway I am not saying go crazy opening cards, but come in with an approach.  Get as much bang for your buck as you can.  Your scores are just about perfect and you will be able to get just about anything soon, congrats on the approvals.

WF: $500 - First Premier Bank: $625 - First Premier Bank: $700 - Discoverit: $800 - CapOne: $1001 - CapOne V1 2k - CapOne QS1: $4,500 - Amex BCE 5k - Amex EDC: $10k - Amex Platinum Card - BCU CB 10k

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Starting Score: Ex 450 - Eq 420 - TU 405
Current Score: Ex 649 - Eq 694 - TU 677
Goal Score: 700 --- Taking the myFICO Fitness Challenge and Garden Club 2017

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To answer your question I received the welcome offer of 60k member rewards points after spending 5k on the first 3 months. on top of all the current rewards you get with the card.

[Anonymous]

Got approved on Friday and received the card next day shipment through UPS.

[Anonymous]

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@Anonymous wrote:

Got approved on Friday and received the card next day shipment through UPS.

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That is absolutely amazing!!!!

I am a current cardmember and my metal replacement card came stuck to a sheet of paper with a info card with it... Nothing as impressive as this... Then again, I'm not paying the $550... Yet...

Thanks for posting the pics!!

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Got approved on Friday and received the card next day shipment through UPS.

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That is absolutely amazing!!!!

I am a current cardmember and my metal replacement card came stuck to a sheet of paper with a info card with it... Nothing as impressive as this... Then again, I'm not paying the $550... Yet...

Thanks for posting the pics!!

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I think is only because I am a new card holder.

[Anonymous]

Aye... Do enjoy it!!