@Anonymous wrote:According to themanwhocan's charts, for Experian scores, American Express shares FICO 8, First National Bank of Omaha credit cards share the FICO 8 Bankcard score, and Pennsylvania State Employees Credit Union credit cards share FICO 4.
Last I checked PSECU was FICO 98 (Experian Risk Model 2), that'd be unfortunate if they switched.
Chase Slate offers a FICO 8 as well.
@ncochran1989 wrote:
Whoa! Missed that chase one. Awesome! I like chase. I'm headed towards the F.U. then I can't apply for another chase card for a year or so, but that's perfect that chase would have EX cause I really like chase and may want that card in the future.
The problem is the Chase Slate is a BT card and really isn't applicable for much else: it's a junk tradeline for me personally, and might be for you to under most conditions... better to apply for that when you need it.
There's enough general purpose Amex cards that it's probably better to diversify there with a BCE if nothing else if you are stuck on the Chase 5/24 rule or whatever. Admittedly I preach diversification but I'm trending towards more and more of my spending on Chase which is probably suboptimal... haven't tried for the FU yet, though it'd be an exceptional card for me since I need a different ~2% spender (UR at 1.5x > 2% in my world) as FIA Amex and JCB aren't accepted for some of my big ticket mandatory expenses (taxes of various types).