Amex zync... you should try for that one before the end of the year. If your income is good you could apply for a different charge card instead of zync... such as the gold or pr gold... the sign up bonus can be used to help with your upcoming travel. You may also look at the expedia or travelocity cards.. the inquiries are going to shut you out of chase and your scores aren't really prime enough for an amex revolver. That's my 2 cents 
FICO 8: 
Goal: Gardening!
Goal: Gardening!
@webhopper wrote:
Amex zync... you should try for that one before the end of the year. If your income is good you could apply for a different charge card instead of zync... such as the gold or pr gold... the sign up bonus can be used to help with your upcoming travel. You may also look at the expedia or travelocity cards.. the inquiries are going to shut you out of chase and your scores aren't really prime enough for an amex revolver. That's my 2 cents
+1
SDFCU and BoA Travel Rewards are the 2 best.
$0 annual fee, 0% foreign transaction fee, EMV, rewards
SDFCU is a better card with a much lower interest rate and allowing EMV PIN transactions, but you might not qualify for this with limited credit history.
EX:694 TU:744 EQ:777
The negative balance will report as a 0 balance on your credit report.
If you want that money back you should call them up and ask them to send you a check for the negative amount. Otherwise just let it sit there until Christmas
If you want that money back you should call them up and ask them to send you a check for the negative amount. Otherwise just let it sit there until Christmas
FICO 8:
Goal: Gardening!
Goal: Gardening!
@Pardeep wrote:Hello friends,
I have 3 cards and want to get some travel card which can help me saving few bucks on my next vacation. I have limited credit history and need experts advice before appying.
10 month with cap1 limit 750
1 month old navy 2000
1 month discover 1500
I keep my balances near 10-15 %
I know i should garden for couple of months but heard somewhere that having 5 cards help building very good credit file.
I already have 6-8 inqueries in past 1 year but willing to apply for 2 more cards. Please suggest, i am planning to apply chase freedom and boa travel card in aug end and sep end.
My score is around 680-700 range.
There is no such thing. You can have a great credit history with only 2 cards. Apply for credit card that you are going to use, not for these nonsense rumors.
@webhopper wrote:
Amex zync... you should try for that one before the end of the year. If your income is good you could apply for a different charge card instead of zync... such as the gold or pr gold... the sign up bonus can be used to help with your upcoming travel. You may also look at the expedia or travelocity cards.. the inquiries are going to shut you out of chase and your scores aren't really prime enough for an amex revolver. That's my 2 cents
-1
I do NOT recommend AMEX charge card nor Barclays Travelocity for OP. For AMEX charge card to be worth it OP must be a frequent travelers, and usually loyal to one or two airliners. My experiences with Barclays is that beside Apple CC all other Barclays CCs deny people with thin file with no room to recon.
My recommendation is to wait for couple months, then app for BofA Travel Rewards. You probably will be denied on the spot, but BofA recon is usually pretty good. Alternatively PC that Discover card into Discover Miles. Is that Capital One card a Newcomer card (earns 2% cashback on airline tickets?)
Generally I do NOT recommend miles card (with the exception of BofA Travel Rewards and Discover Miles) and airliners card unless you are a frequent traveler. Cashback is much better for occasional traveler.
Generally speaking; charge card fees are waived in the first year; and charge cards are good for all sorts of purchases; not just airlines. If the OP doesn't want to keep the card he can cancel it or downgrade it after enjoying the sign on bonus. I think charge cards can fit just about everyones lifestyle... not just the well travelled. Its a powerful cash flow management tool which forces you to be responsible and realistic with your monthly spending. The analyzing tools and the ability to tag purchases and run reports on tagged items will really help me out a lot when it comes to preparing my taxes; my husband and I both itemize our deductions.
I agree that most miles cards are overrated... they lock you into using just one provider. I like shopdiscover for booking travel with expedia. They give you 5% cash back if you book your flight and at least one hotel night through the links from the shopdiscover website. We recently used shopdiscover to book our honeymoon cruise and received over 200 dollars cashback and we were able to get other discounts as well; such as the military discount
I agree that most miles cards are overrated... they lock you into using just one provider. I like shopdiscover for booking travel with expedia. They give you 5% cash back if you book your flight and at least one hotel night through the links from the shopdiscover website. We recently used shopdiscover to book our honeymoon cruise and received over 200 dollars cashback and we were able to get other discounts as well; such as the military discount
FICO 8:
Goal: Gardening!
Goal: Gardening!