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Hi guys,
Just wanted to share some data points for anyone who is interested.
Opened on 6/8
Amex Delta -1,000 (pulled exp)
Amex Green- NPSL (no pull, did it right after Delta approval)
Discover IT- $1,200 (double pull Exp & Equ)
Citi Double Cash $2,000 (Exp)
Walmart $900 (TU)
Still waiting to hear back from Chase re Freedom (pulled Exp)
Utl- 0%
Had 1 inq on TU now 2
Had 4 inq on EQ now 5
not sure about Exp
Income is $69,000
1 open collection from 2011 for $1,041
Scores at the time of apping was EQ 644, TU 646, and EX 628, since apping so far have ony lost 2 points on Eq
Prior to this had not apped for anything for 18 months
Out of interest, why the Amex Green? Do you have a plan to use and keep it (vs say nothing or the PRG)?
@longtimelurker wrote:Out of interest, why the Amex Green? Do you have a plan to use and keep it (vs say nothing or the PRG)?
In all honesty I knew I wanted a charge card that would be easier to get and from what Ive researched its was the Green also for some odd reason I have always wanted that card since I was little. Lastly I knew more about it than the others... Should I have gone with the PRG? Is it better? Why?
@ronstar7 wrote:
@longtimelurker wrote:Out of interest, why the Amex Green? Do you have a plan to use and keep it (vs say nothing or the PRG)?
In all honesty I knew I wanted a charge card that would be easier to get and from what Ive researched its was the Green also for some odd reason I have always wanted that card since I was little. Lastly I knew more about it than the others... Should I have gone with the PRG? Is it better? Why?
Well, if that is what you wanted for personal reasons, then that makes sense! But reward wise, the PRG gives more bonus and much more earning potential, and like the green the fee is waived the first year. The green has less earning potential than the free Everyday Card, so unless you need a charge card, often doesn't make sense to keep it after the first year.
@longtimelurker wrote:
@ronstar7 wrote:
@longtimelurker wrote:Out of interest, why the Amex Green? Do you have a plan to use and keep it (vs say nothing or the PRG)?
In all honesty I knew I wanted a charge card that would be easier to get and from what Ive researched its was the Green also for some odd reason I have always wanted that card since I was little. Lastly I knew more about it than the others... Should I have gone with the PRG? Is it better? Why?
Well, if that is what you wanted for personal reasons, then that makes sense! But reward wise, the PRG gives more bonus and much more earning potential, and like the green the fee is waived the first year. The green has less earning potential than the free Everyday Card, so unless you need a charge card, often doesn't make sense to keep it after the first year.
Ahh Ok, I see wont that look bad to close it out after only a year? Or would I have the possibitly of pc'ing to the prg at that time. If I did would it be anthoer inq and new account listed?
PC won't cost anything pull wise. If you JUST got it, I would try calling and asking for the PRG instead. Who knows, might work.
@creditguy wrote:
Should have applied for the freedom first. You just opened 5 accounts and are currently waiting to hear from chase, well you may get snagged by 5/24. Hopefully not. Good luck and congrats on your approvals.
Hi there Creditguy, Freedom was one of the 5 I think number 3 or 4 and they were all done in the span of 15 min of each other so I m think I am ok with 5/24. Thanks for the advice though!!
@Anonymous wrote:PC won't cost anything pull wise. If you JUST got it, I would try calling and asking for the PRG instead. Who knows, might work.
Hi, I got approved on the 8th and they mailed the cards out already
@ronstar7 wrote:
@Anonymous wrote:PC won't cost anything pull wise. If you JUST got it, I would try calling and asking for the PRG instead. Who knows, might work.
Hi, I got approved on the 8th and they mailed the cards out already
it's 12 months for a PC. No biggie. Could wait and get the 50k bonus for PRG then and don't PC