- Green Member
- Posts: 4
- Joined: Thu Jun 21, 2012 2:38 am
- Location: NC
Mid 20's, single, 50k/yr, 6 yrs is oldest line, TransUnion 766, low car payment and college loans, no mortgage, < 5% utilization, I have the following cards.....
08' GE Brooks Brothers MasterCard - 4400 CL apr 22.99%? (use at BB and then once every 6mo to keep active since Dept Store oldest line that has been increased from $900 to $4,400 by them.)
08' Capital One Best Buy Store Card - 1000 CL apr unknown (use for no interest at BBY, very rare use)
09' Citi Forward Visa - 4000 CL apr 12.25% (Bars, emergencies)
10' Chase Freedom Visa - 2,500 CL apr 14.99% (revolving rewards)
11' Discover More - 6,500 CL apr 19.99% (revolving rewards)
11' Capital One VentureOne - 3,000 apr 19.99% (1.25x points, will be gone before Nov).
12' Capital One Venture - 7,500 apr 20.99% (2x points, everything!)
I know what everyone is thinking, enough all ready! But I value having diverse methods of payment. I hold no interesting bearing balances.
The only thing missing from my arsenal is an American Express Charge Card. I couldn't help but upgrade a few months ago to the Venture, I figured I should do it quickly because I intend on keeping it over all others for every purchase not eligible for the Freedom/More 5x bonus.
I really want to American Express though, if not now then in the near future once a few hard inquiries are not factored in. I don't visit the airport often but that is always subject to change. I make lots of purchases online. I value benefit/accessibility over luxury. The $25 annual fee for Zync is not a factor in the decision, I would use for a few purchases a month. For the Amex Gold, I may consider giving up the Venture card and Visa Signature and sticking with VentureOne since that has no annual fee. It really sucks you can't upgrade as of right now from Znyc within Amex. Do I have anything to gain with Zync? Somebody convince it one way or the other!!! Gold or Zync!!!
I work for a major financial institutional and it seems like everyone is going to approve me, I am just afraid of the age of my accounts with is 3yr on the dot right now and thus why I don't want to wait on anything. Green is not worth it to me...