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Reccomendations?? Where do I go from here?

Tigers09
Valued Contributor

Re: Reccomendations?? Where do I go from here?

from what I've seen, it doesn't matter with Chase if a card is VS, MC, or Amex. if you have Victoria Secret, that's a credit account just like any other.

Business credit, there is a whole subsection here where you can find about anything you need. Business cards will still pull your personal credit, but most won't report to your personal credit reports unless you ends up with lates
State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (10,000) ~ PenFed Promise (1,000) ~ PenFed OLOC (500) ~ Discover ($1,100) ~ Citi DC (2,200) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (2,700) ~ NFCU CLOC (15,000) ~ Venture (10,300) ~ DCU Visa (5,000) ~ Chase Freedom (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG (1,000) ~ Amex BCE (1,000) ~ Care Credit (15,000)
Current Scores (6/6/18): 697 Transunion, 659 Equifax, 674 Experian
Message 21 of 41
601flyguy
Established Contributor

Re: Reccomendations?? Where do I go from here?

Well that sucks, don't think i really want chase anyway. I think amex will be just fine for me.
2019 Spend Summary
$944,008 Amex BRG
$91,953 Amex SC
$58,351 Discover It
$50,046 BofA CR
$36,146 Amex PRG
$6,774 Cap1 QS
$963 Amex CM

$1,188,241 Yearly Spend
Message 22 of 41
EAJuggalo
Established Contributor

Re: Reccomendations?? Where do I go from here?


@601fluguy wrote:
Hmm i will definitely check with the cu and see what they have to offer. Only thing is Im self employed, would that hurt me?
And where are you getting 2.5% i need to bank with them.
I understand what you are saying, i see everyone talking about chase/barclay like they are best but amex really seems better for me.

Find another CU if yours isn't giving you a good APY.  I get 2.5% with mine in the middle of Wisconsin and got 1.5% from my CU in Minneapolis.

EX680 TU 659 EQ 691
Cap1 QS-$4,500 Chase Freedom Visa- $800 Chase Freedom Unlimited- $500 Victoria's Secret- $2000 Citi DC- $800 Amazon Store Card- $3,500 AMEX Hilton Honors-$1,000 Discover It-$1,000 Wal-Mart MC $290 Chase Sapphire Preferred-$5,000 NFCU Flagship $10,000 AMEX BCE-$1,000 AMEX Gold-NPSL
NFCU SSL $88/1005
Message 23 of 41
Backwoods
Senior Contributor

Re: Reccomendations?? Where do I go from here?

For Biz: Amex Simply Cash (pays out slightly less for us than Chase.)     Capital 1 Spark classic 1% for starter biz, Regular Spark 1.5% or 2% depending on if you pay the $49 or so annual fee.  We have a Spark Sigggy for our biz, Chase INk or Ink Pref both are good.  We are waiting to get over 5/24 to go to Chase Ink.   Other good cards for personal Discover, Citi Double Cash and Capital 1 QS.  We have all thee.  Citi pays out the most % but for Discover Deals   (5%) and 1st year cash match with Discover. To get points with Citi DC you cannot pay early so does hurt utilization.  Discover is very friendly and nice and US based. 

Message 24 of 41
601flyguy
Established Contributor

Re: Reccomendations?? Where do I go from here?

I think i will be apping today. Really wish i could get more amex cards at once as those are the only cards appealing to me.

Will be apping for
Business Rewards Gold
BCE
Discover It

I hope to get decent starting limits, wish me luck
2019 Spend Summary
$944,008 Amex BRG
$91,953 Amex SC
$58,351 Discover It
$50,046 BofA CR
$36,146 Amex PRG
$6,774 Cap1 QS
$963 Amex CM

$1,188,241 Yearly Spend
Message 25 of 41
Backwoods
Senior Contributor

Re: Reccomendations?? Where do I go from here?

With Amex two issues 1) not everybody takes it 2) what they call a supermarket is limited.  We just got a Blue Cash Pref Amex and have been testing the waters.  See the post about  Amex Supermarkets.  If your supermarket is on Amex list,  Pref with the $95  is the way to go with highest % back, also they have 3% gas.  They do have a sign up bonus and 6 month eating out bonus that includes fast food.  It has our highest limit.  We also shop at a few of the bonus  stores.   Good Luck

Message 26 of 41
601flyguy
Established Contributor

Re: Reccomendations?? Where do I go from here?

1) im aware of that, not really an issue for me
2) i saw the thread and don't spend enough at the places they consider supermarkets. I do buy alot of gas, but not enough to benefit from the bcp 3% and $95 AF vs bce 2% and no AF so i am going with BCE and possibly PGR.

I think i will accept the discover preapproval first and then try for amex. Kind of skeptical about amex with no preapproval but CK shows my odds are very good. Hope they don't deny me for my short credit history or something... Any suggestions for other a good visa/mc to grow on?
2019 Spend Summary
$944,008 Amex BRG
$91,953 Amex SC
$58,351 Discover It
$50,046 BofA CR
$36,146 Amex PRG
$6,774 Cap1 QS
$963 Amex CM

$1,188,241 Yearly Spend
Message 27 of 41
601flyguy
Established Contributor

Re: Reccomendations?? Where do I go from here?

I take that back, just went to amex website and was prequalified for bce and bcp. I have been using google chrome to autofill my info and i think that caused an issue with the form
2019 Spend Summary
$944,008 Amex BRG
$91,953 Amex SC
$58,351 Discover It
$50,046 BofA CR
$36,146 Amex PRG
$6,774 Cap1 QS
$963 Amex CM

$1,188,241 Yearly Spend
Message 28 of 41
Backwoods
Senior Contributor

Re: Reccomendations?? Where do I go from here?

CK suggestions list  is strange at best.  We did go through CK preapproval  for Amex.  We then went to the Amex site to verify before applying.  At one point my file was very thin, High AA of old closed cards,  2 new cards and a very good score.  I followed what CK suggested and got burnt.  DW and I tend to ignore their suggestions and rely on preapprovals either in the mail or on websites.  At this point we only want a better business card ie Chase Ink.  We usually pif  but want to get apr down anyway.  Amex gave her 13.xx and we will start later this year to get the rates down so if per chance we don't pif we won't pay a fortune in interest.   So we are gardening waiting for 5/24 to drop   Good Luck again.  

Message 29 of 41
601flyguy
Established Contributor

Re: Reccomendations?? Where do I go from here?

Yea, i know to take what CK suggests with a grain of salt. I did go to the amex site and get preapproved as well.
The CK preapproval shows the APR i will receive. Im wondering how accurate this may be??

It says
BCP 13.49%
BCE 17.49%
EDP 15.49%
ED 17.49%

If thats the case, bcp is my best option. Like you, i usually PIF but would also like to be able to carry a balance with low APR if i need to.

My discover it preapproval says 13.49-16.49% so im hoping thats pointing to the fact that there will be a nice SL with these cards.
My cap1 is at 25% . any suggestions on getting it lower?
2019 Spend Summary
$944,008 Amex BRG
$91,953 Amex SC
$58,351 Discover It
$50,046 BofA CR
$36,146 Amex PRG
$6,774 Cap1 QS
$963 Amex CM

$1,188,241 Yearly Spend
Message 30 of 41
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