So what's the final word on this?

j_casteel · ‎04-03-2014

Close Zync $500 before apping for another AMEX or keep it open b/c it won't matter?

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

yudeology101 · ‎04-03-2014

@j_casteel wrote:
Close Zync $500 before apping for another AMEX or keep it open b/c it won't matter?

Unicorn shall live. It's just one of the kind!!

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO ↑ 11) EX:686 (FICO ↔ N/C) TU:686 (FICO ↑ N/C) *8-5-14*

Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)

myjourney · ‎04-03-2014

@j_casteel wrote:
Close Zync $500 before apping for another AMEX or keep it open b/c it won't matter?

Use to be it had to be closed but late last year we saw approvals with it still open so YMMV

Case by case it appears

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?

j_casteel · ‎04-03-2014

@yudeology101 wrote:
@j_casteel wrote:
Close Zync $500 before apping for another AMEX or keep it open b/c it won't matter?
Unicorn shall live. It's just one of the kind!!

lol, i know....but the $500 kills its value to me

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

myjourney · ‎04-03-2014

Forgot to add it can also be upgraded to Green,Gold or Plat

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?

j_casteel · ‎04-03-2014

@myjourney wrote:
@j_casteel wrote:
Close Zync $500 before apping for another AMEX or keep it open b/c it won't matter?
Use to be it had to be closed but late last year we saw approvals with it still open so YMMV
Case by case it appears

well, I may go ahead and try for the Costco card then. Very worse it will be a SP with a free score.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

j_casteel · ‎04-03-2014

@myjourney wrote:
Forgot to add it can also be upgraded to Green,Gold or Plat

they do that for the hardlimit cards? didn't think it was possible.

I've had it for 2yrs. at first i used it hard, real hard. But then became dissappointed in it, and just been paying the AMEX Credit Secure with it monthly. Recently though we started going to Costco and I use it there for everything and fuel.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

myjourney · ‎04-03-2014

@j_casteel wrote:
@myjourney wrote:
Forgot to add it can also be upgraded to Green,Gold or Plat
they do that for the hardlimit cards? didn't think it was possible.

I've had it for 2yrs. at first i used it hard, real hard. But then became dissappointed in it, and just been paying the AMEX Credit Secure with it monthly. Recently though we started going to Costco and I use it there for everything and fuel.

Give them a call and ask if you have any upgrades for it ...They were all over the place at the end of the year even with the hard limit cards

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?