- Centurion Member
- Posts: 119
- Joined: Fri Sep 28, 2012 9:22 pm
- Location: Texas
Congratulations and welcome back to the AMEX family.
I would suggest that you use the green card regularly and pay in full a few days before statement closing so that a zero balance reports each month for a minimum of six months before applying for the Blue Cash card or any revolver. If you are considering upgrading from the green to the PRG, AMEX will require that you wait until month 13 before a PC is allowed. The FICO model does not factor charge cards in the Utilization formula so that card will not have a negative affect on your credit. Lastly, AMEX charge cards do have an internal spending limit that changes with your spending pattern. If you are going to make a large purchase, I would suggest that you just call them before hand to make sure that the charge will be approved.
AMEX Green Card - NPSL [Member Since 1995]
AMEX Everyday Card ($25,000) 6/14 Backdated to 1995 - For 20% Extra Points Benefit
Chase Freedom Visa Signature ($17,000) - For 5% rotating categories
Citi ThankYou Preferred Visa Signature ($16,000) - 2% dining
Discover IT Humane Society Design ($16,500) - For 5% rotating categories
Firestone ($2,600) - For 0% financing
Home Depot ($10,000) - For 0% financing
JCPenney Credit Card ($7,000) - For special discounts
Sam's Club MasterCard - ($20,000) - 5% off gas at any fuel pump
Wells Fargo Personal Line of Credit - ($15,000)FICO's - 767 EX, 778 EQ, 790 TU [02/2015]