What card are you going to app for in 2012?

[CS800]

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@LS2982 wrote:

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@CS800 wrote:

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@LS2982 wrote:

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+1

I'll see AMEX approvals and pull up EX freeze left site and talk myself out of it

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Your wife must think you're nutts

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Yes, indeed

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Is your AMEX going to be backdated? Not sure if you had an AMEX before.

[MrCredit]

I am strongly against getting an Amex directly from them. They screwed me royally during the

economic crisis and lowered my limit down to $10!!! I incurred all kind of fees and charges

because of it. They suck. Enough said. I had a Clear.

[CS800]

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@MrCredit wrote:

I am strongly against getting an Amex directly from them. They screwed me royally during the

economic crisis and lowered my limit down to $10!!! I incurred all kind of fees and charges

because of it. They suck. Enough said. I had a Clear.

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Do you really mean $10 and not $10k or $1k?

$10 seems unreal

[ReBuildingAgn]

Not sure what I should apply for this year. Currently, I'm in the process of getting my ducks in order so that I can apply for a mortgage next month. I've been in the rebuilding stage for about 3 years now. Thanks to these forums I've had significant score increases over the years. Lots of baddies were GW'd, PFD'd, and generally fell off. I have 5 medical collections that will be deleted in the next few weeks as they haven't proved proof that I owe them anything (I received 1 deletion letter today). Even with the collections on my report (they are all over 5 years old) my scores are 625 EQ FICO, 709 TU FICO, and 709 EX (Lender Pull).

Cards and limits I current Have:

AMEX ($600) that's in the OASIS program right now. I've been in the program for about 3 years now.

Credit One ($750)

First Premier ($450)

Capital One MC ($1250)

Kohls ($1000)

I have small automatic payments to all except Kohls and I PIF each month. The Kohl's card has a zero balance.

With my increase in scores I know I want to apply for an Amex green in September/October of this year, but I do need a card with a higher CL so that I can close the Credit One and Premier CC's. Those cards were great for rebuilding, but the small CL's aren't beneficial. Any suggestions on a second card to go for?

[Anonymous]

I have the 2 cards I want, unless something fantastic comes out this year.

I have my AmEx BCE as my primary card and my USAA Visa as my backup. My BCE is at $6,000 and my USAA is at $8,000, so I hope to break $10,000 with both this year (My 6 month marks for both are coming up where I can ask for a CLI)

I also have my Chase Amazon card, which I rarely use, because it has only a $1,000 limit, and the primary reason I got it was for the 2 points at gas stations, which my Amex gets now.  I spend like $5 a month on it now just to keep it active, since I've had it coming up on 2 years, but since I haven't seen a SINGLE increase in my credit limit with them without having to do a hard pull, they don't deserve my business.  I have a BoA Amex rewards, which I cut up the moment I got it, as I've closed all my BoA accounts, though it was my longest card at nearly 5 years.

I've pondered getting an Amex charge card (either Zync or Green), if for nothing more than having 2 cards with Amex and getting the credit score... but doubt I will.

[MrCredit]

I meant $10. Literally.

[bdp02]

What's the appeal for FTWCCU?  I've never been too impressed with their offerings, but maybe I'm missing something?

They're across the street from my office, so the convenience factor would be big... I do all of my primary banking activities online with USAA, but a local branch relationship is something I have to look elsewhere for.