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@Anonymous wrote:
hat's awesome news then! Congrats on all your AMEX approvals
Now, which charge card to apply for hehe
I think Zync is easy to get approval. But Gold offers the best rewards and probably easy to get approved also. Customer Service is one of the best with Amex.
Concord- were these both personal amex accts?
@score_building wrote:Concord- were these both personal amex accts?
Yes, these two cards are personal cards.
Are you putting that much $$ through these cards (Plum, Platinum, Delta) that it makes it worth it for the annual fees? Over $700 a year? Will you use the benefits of these cards? It just seems to be a lot of money to spend for the sake of boosting a FICO score IMO. I would think that those Amex cards you closed last year would still be on your CRA and therefore helping your AAoA.
Congrats concorduser. When I logged into my AMEX Blue account, I noticed that I was pre-approved for AMEX Gold and Platinum charge cards. I'm very tempted to pull the trigger.
@jefftca925 wrote:Are you putting that much $$ through these cards (Plum, Platinum, Delta) that it makes it worth it for the annual fees? Over $700 a year? Will you use the benefits of these cards? It just seems to be a lot of money to spend for the sake of boosting a FICO score IMO. I would think that those Amex cards you closed last year would still be on your CRA and therefore helping your AAoA.
Plum and Delta does not have AF for the first year. Next year whe the renewal comes, I can ask for product change a no AF card. As per Platinum card, I am trying to see if I can change it to gold which does not have AF. As per my spending on the card, average I spend around $24-30K / month on my amex cards.
@Red1Blue wrote:
@jefftca925 wrote:Are you putting that much $$ through these cards (Plum, Platinum, Delta) that it makes it worth it for the annual fees? Over $700 a year? Will you use the benefits of these cards? It just seems to be a lot of money to spend for the sake of boosting a FICO score IMO. I would think that those Amex cards you closed last year would still be on your CRA and therefore helping your AAoA.
Plum and Delta does not have AF for the first year. Next year whe the renewal comes, I can ask for product change a no AF card. As per Platinum card, I am trying to see if I can change it to gold which does not have AF. As per my spending on the card, average I spend around $24-30K / month on my amex cards.
oh ok. If you're putting some decent coin through the cards it's not a bad thing to have them. I would probably PC to cards that have the best rewards program for a lower AF. The personal Plat card looks like it is beneficial for the frequent traveler or one that entertains clients a lot. The AF is pretty high.