- Centurion Member
- Posts: 538
- Joined: Fri Mar 09, 2012 9:29 am
- Location: San Francisco, CA
Floydian wrote:Really? This is the first time I'm hearing about this. That would really be awesome. It seems as if the Blue Cash is a difficult card to get. Is there any other No Annual Fee Amex CREDIT cards that I should apply for? Is getting a charge card really worth it? I have 3 cards now and I only really use one of them. Getting two more would be pretty difficult for me considering I only really buy food and gas and basic necessities.
Yes Floydian. You might have to fight with AMEX a little as your current relationship with them is only as authorized user. But AMEX reports new cards with your original member date year and the new cards approal month date. You can confirm your member date by logging into your AMEX account and seeing what it says (if you don't have an online account, I recommend you do so). For example, if your member date year is 2000 and you apply for a new AMEX card in January, it will report to bureaus that you had the card since January 2000. Thats why January is the best time to apply for AMEX card
Based on what you said, it looks like you only have relationship with AMEX via being authorized user. I highly recommend you start a direct relationship with them. Every AMEX card for you should improve your AAoA which is great for your credit score. If you do no annual fee cards, then who cares if you really need them or not (although put an occasional charge on them).
As for your approval possibility, go get a real FICO score (just need one) from myfico and I can probably give you better advice. One thing to note that the cards with better benefits usually charge a fee. Let me know the FICO score (not FAKO) and might be able to give you better advice on which cards to proceed with.
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k