- Centurion Member
- Posts: 630
- Joined: Thu May 10, 2012 10:10 pm
- Location: North Los Angeles County
Visa- It does not have a great Impact on your scores. Yeah the inquiry will knock a few points off but that is to be expected. Additionally, Amex charge cards do not report a limit when you check your credit report. It will show the highest balance you have ever had on it, However. But as long as you pay a little bit after it has been reported, or before the statement date you should be okay, and I don't think it will haver much Impact on your scores. The only affect it had on my score was the fact that I opened a new account, other then that, your score will be okay. If I were you, I would get a revolver as well since I have also heard of people getting a charge card as well as a revolver and the BCE/BCP/SPG are typically the hardest to be approved for while the Gold Delta is the easiest to be approved for. All Charge cards have the same underwriting criteria and are easier to be approved for except for the Platinum and Centurion.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.