I'm thinking of apping for the chase freedom, amex BCE, and possibly the cap1 quicksilver....any thoughts of my chances for approval? All my fako scores are currently around 740 with <10% utl on my current cards
Starting Score: No Credit History (11/12)
@Anonymous wrote:
@b1gr3dmachin3 wrote:I'm thinking of apping for the chase freedom, amex BCE, and possibly the cap1 quicksilver....any thoughts of my chances for approval? All my fako scores are currently around 740 with <10% utl on my current cards
Is this your first Amex account? If so, go for it, just so you can lock in 2013 MSD.
I assume you don't have a ridiculous amount of inquiries, right? If so, your chances should be pretty good.
Yup, first amex account. All my current cards are in my signature. I have 4 total inqs dating back about a year and a half, and 3 of them are within 6 months. My main concern is the two credit cards I added back in July
@Anonymous wrote:If you spend more than $2500 a year on groceries I'd for BCP instead of BCE. I really wish I had.
Depends, what do they consider "supermarkets"?
@Anonymous wrote:
@b1gr3dmachin3 wrote:
@Anonymous wrote:
@b1gr3dmachin3 wrote:I'm thinking of apping for the chase freedom, amex BCE, and possibly the cap1 quicksilver....any thoughts of my chances for approval? All my fako scores are currently around 740 with <10% utl on my current cards
Is this your first Amex account? If so, go for it, just so you can lock in 2013 MSD.
I assume you don't have a ridiculous amount of inquiries, right? If so, your chances should be pretty good.
Yup, first amex account. All my current cards are in my signature. I have 4 total inqs dating back about a year and a half, and 3 of them are within 6 months.
I think you will be fine. I somewhat remember you and the thread you made a couple months ago.
If you want to play it safe, get a charge card first, since the 1st year AF is waived for most of them. And then apply for the BCP / BCE. I recommend getting the BCP, because you are getting 6% cashback, and you can always get gift cards for other stores that you shop at. But if you don't spend much in general, then go with the BCE.
Oh and remember to use cardmatch.
Yup, you definitely did help me a few months back! If I'm going to apply, I think I would rather just apply for the card I am targeting because I don't want to have cards that I don't need/want agree? What is cardmatch?
enharu, you think I will be fine for all 3? Or just the chase + amex? What are your thoughts on the quicksilver? I was thinking about getting that card to use for things I don't have bonus categories from my other cards?
@Anonymous wrote:You can downgrade to BCE any time before the AF hits if you think you aren't using the BCP enough, but you can't go from BCE to BCP in the first year.
Thanks Beane, I did not know that. I will probably just go for the BCP then, and see how it goes.