Fixed My Score In 11 Months / Not Sure What Card Is Next...

[09Lexie]

Do you need a cc with no FTF?

[Sagnew]

That would be ideal.....

[Sagnew]

The more I read up on the Amex benefits - I believe the Platinum card would be the most beneficial in terms of travel. The hotel chain I stay at the most often has a pay for one night / get another night free offer to Platnium card holders as well as complimentary upgrades etc.

But I'm scared to apply for a Platinum first, even with the 788 fico, 10k in available credit and a clean report. Mostly because I am an AU already with Amex and I assume they would figure out that  8k of my 10k in available credit is from my gf's card.

[09Lexie]

The UW for charge cards is the same. Besides the Amex Platinum, you might try the following:

Barclays Arrival- primarily pulls TU good for no FTF, and 2%
Discover IT- Pulls EQ/TU - 0% APR and cash back
Fidelity Amex -Ex/EQ -2% cash back
QS- pulls all 3- cash back 1.5%

[hot4u]

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@09Lexie wrote:
The UW for charge cards is the same. Besides the Amex Platinum, you might try the following:

Barclays Arrival- primarily pulls TU good for no FTF, and 2%
Discover IT- Pulls EQ/TU - 0% APR and cash back
Fidelity Amex -Ex/EQ -2% cash back
QS- pulls all 3- cash back 1.5%

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Agree Barclays arrival

I have QS just not sure it was worth Hp on all three

[W0MACK]

Apply for Platinum, 788 fico you shouldn't have any issues getting approved for platinum. If you go for the Mercedes Benz platinum I think the signup bonus is 50,000 vs 25,000 on the regular platinum and the AF is only $25/year higher: worth it IMO, even if you aren't a Mercedes fan.

I wouldn't worry about the inquiries, they are a necessary evil. Go for it.

[Sagnew]

Got the Platinum. Thanks all!

Took a year's worth of work - excited to get finally get there.

Next question : 

Is it worth it to apply for the Barclays Arrival card today to use as my primary card (the amex platinum will mostly be used for the benefits) 

As an early user pointed out Barclays Arrival primarily pulls TU (and I am assuming Amex pulled EX) 

[09Lexie]

I suggested Barclays Arrival for additional sign up bonus and Amex isn't as widely accepted. It's nice to have a Visa/MC too

[09Lexie]

Congratulations on the Amex!

[Sagnew]

Thanks Lexie!

I applied and recieved the Barclays Arrival card as well - $7500 limit.

Your help with all of this has been super helpful as I wasnt sure what to do. Thank You!