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Since I was a kid, I always wanted an AMEX...I need helping getting a BonVoy Brilliance AMEX

MichaelWoodland
Established Member

Re: Since I was a kid, I always wanted an AMEX...I need helping getting a BonVoy Brilliance AMEX

Thank u!!
Message 41 of 59
MichaelWoodland
Established Member

Re: Since I was a kid, I always wanted an AMEX...I need helping getting a BonVoy Brilliance AMEX

So the big question

Should I accept $0 fee credit card offers?

Would this help rebuild my credit?

I guess I’m not too sure of having too many cards is good or bad
Message 42 of 59
grower1
Frequent Contributor

Re: Since I was a kid, I always wanted an AMEX...I need helping getting a BonVoy Brilliance AMEX


@MichaelWoodland wrote:
So the big question

Should I accept $0 fee credit card offers?

Would this help rebuild my credit?

I guess I’m not too sure of having too many cards is good or bad

Before you app think:

Have you done your research of the CC?

Does it fit your spending?

Do you have a plan for the bonus w/o going into debt?

Can you afford the AF?

Do you know the cards benefits?

Is it worth the HP?




Message 43 of 59
MichaelWoodland
Established Member

Re: Since I was a kid, I always wanted an AMEX...I need helping getting a BonVoy Brilliance AMEX

I can pay my mortgage to hit the $ for bonus. Mortgage $1750 a month

As far as my spending.

$5000 in gas per year minimum

Then for work about 3-4 due diligence trips
Message 44 of 59
CardNut
Valued Contributor

Re: Since I was a kid, I always wanted an AMEX...I need helping getting a BonVoy Brilliance AMEX


@MichaelWoodland wrote:
I can pay my mortgage to hit the $ for bonus. Mortgage $1750 a month

As far as my spending.

$5000 in gas per year minimum

Then for work about 3-4 due diligence trips

Do mortgage lenders charge you a fee to pay with a credit card? I would imagine they would, as it would cut into their principal repayment. 

Scores, HPs/24 mos. (updated 01/13/21):
    Experian FICO Score 8 = 828, 1/24
    Experian FICO Score 9 = 813, 1/24
   TransUnion = 811, 1/24
    Equifax = 813, 0/24

Total 2020 rewards, incl. offers/deals = $1,388.00

Total CL: $247,000

Cards (hover over for CL | interest rate | Date Opened):
Message 45 of 59
MichaelWoodland
Established Member

Re: Since I was a kid, I always wanted an AMEX...I need helping getting a BonVoy Brilliance AMEX

The 3rd party normally takes 2-2.5%

So just for the intro bonus

I used to be able to pay NIMAC with a cc for a really low fee
Message 46 of 59
CardNut
Valued Contributor

Re: Since I was a kid, I always wanted an AMEX...I need helping getting a BonVoy Brilliance AMEX


@MichaelWoodland wrote:
The 3rd party normally takes 2-2.5%

So just for the intro bonus

I used to be able to pay NIMAC with a cc for a really low fee

I pay my winter gas bill using my DC. The gas company charges a flat $1.95 fee to use a card. Since I get 2%, any bill over $97.5 gets me something back. If my bill is double the 97.5, I essentially get 1% back, but 1% is better than 0%.

Scores, HPs/24 mos. (updated 01/13/21):
    Experian FICO Score 8 = 828, 1/24
    Experian FICO Score 9 = 813, 1/24
   TransUnion = 811, 1/24
    Equifax = 813, 0/24

Total 2020 rewards, incl. offers/deals = $1,388.00

Total CL: $247,000

Cards (hover over for CL | interest rate | Date Opened):
Message 47 of 59
MichaelWoodland
Established Member

Re: Since I was a kid, I always wanted an AMEX...I need helping getting a BonVoy Brilliance AMEX

Brilliant!

Same here with utilities

That’s another 3000-4000 a year

I can even pay my city property taxes that way

So many ways to earn!

Message 48 of 59
MichaelWoodland
Established Member

Re: Since I was a kid, I always wanted an AMEX...I need helping getting a BonVoy Brilliance AMEX

Got a pre approval for credit 1 cash back and capital one quick silver one cash back
$39 annual fee per

Should I accept?

Seems like a solid move
Message 49 of 59
ImTheDevil
Community Leader
Senior Contributor

Re: Since I was a kid, I always wanted an AMEX...I need helping getting a BonVoy Brilliance AMEX

QS1 maybe. Credit One is a big No.


Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | PenFed PCR | Navy Platinum | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





TCL $112,400 | Agg. Util under 10%
Message 50 of 59
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