BOA what to do with them

[kdm31091]

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@Anonymous wrote:

I'd like to distribute my credit across the big banks if possible before gardening and working on the wife's credit.  I can wait on AMEX unless there's a good reasont to add them in.  I've considered other synchrony cards as well, maybe amazon with them.

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The only "good reason" to add an Amex is if they have a product that suits your wants/need/spend. There is no advantage to having them just to have them.

[Anonymous]

well wait. you have a discover it... you're good on that amazon front for the rest of the year and if you're enrolled in the double cash promotion then nothing competes lol.

i have amex and don't use them. it depends on your lifestyle. i like cash back personally and amex's categories are decent BUT the coding sucks so yeah. too picky.

[Gmood1]

I'd personally look at some of the large credit unions to build relationships. Whether it be a auto loan or home loan. It's good to have them in your back pocket as well.

[Anonymous]

what "large credit unions" do you mean? navy federal is the largest surpassing the second place largest by 3x the assets but not everyone qualifies.

[Anonymous]

there are only about 10-13 credit unions in the nation that are over $10 billion in assets.

[Gmood1]

DCU and Penfed are two well known CU's.

[Anonymous]

yeah but isn't penfed super inquiry sensitive? or no.. and DCU... i haven't seen the value in them but i haven't looked much into it either.

[Anonymous]

I belong to Justice Federal and Hughes CU's right now...should I explore? Started a share account with JFCU and my auto loan is with Hughes.

[Gmood1]

They have loosened up a bit. Not quite as stringent requirements as it used to be. Competition is stiff for new customers. They had to do something or lose good potential revenue. OPs scores would make him a shoe in IMO.

[Anonymous]

if OP find ls the need then sure.