- Centurion Member
- Posts: 106
- Joined: Wed Apr 03, 2013 3:16 am
- Location: nyc/ny
Z06Biker wrote:Was the Clear hard to get? Is it harder than the BCE/BCP? Just apply for one of the latter, own two cards that contribute positively to your AAoA, and call it a day.
i doubt anyone can answer that. but i can say this, it was geared towards people who spend little and didn't want to pay to use the card. the reason it was called clear was because it didn't have any kind of fees. no serious credit card user would ever find this card useful because the rewards program sucked, but it was good enough for small spenders.
when i got my Clear card i was a 19 year old college student, i had NO income with less than one year of credit history. amex clear was my 2nd card and had a 1k CL. my first credit card only had a $300 CL, an HSBC master card.
it is also important to note that when i got the clear card, the economy was strong and people were getting approved for loans and mortgages left, right and purple (which is what got us into this economic mess in the first place). draw your own conclusions from that little story
Junk I use:
AmEx Platinum for Mercedes Benz from, 75k spending ability
AmEx Everyday 8.99% + Prime, 44k CL
Chase Ink Bold, 35k
Chase Freedom (Converted from WaMu VISA) from '07, 5.99% + Prime, 30k CL
Junk I don't use
BoA Susan G. Komen Cash Rewards (converted from World Points MC) from '07, 7.9% Fixed APR, 30k CL
Discover IT (Converted from Discover More) from '08, 5.74% + Prime, 20k CL
AmEx Clear from '07, 4.99% + Prime, 10k CL
All 3 credit scores are over 800.