My file is thin with AAOA just over a year and a half.
Trans FICO is 680 (1 baddie from 2006 Crap One)
Experian def wud be over 700 (0 baddies)
EQ is around 670 (1 baddie from 2006 Crap One)
I have a zync for over a year now (measly 500 limit) and have made timely payments. Used it a lot.. I've heard that u can upgrade the card with a soft pull and no hard inquiry is reported. I don't see any any upgrade offer from Amex for me. How to proceed?
1) Is it true that its only a soft pull if u upgrade?
2) Is it true u can only upgrade from charge to charge and revolver to revolver and not from charge to revolver
3) What card should i aim for based on my credit?
4) Do i stand no chance for platinum at this score as I really travel a lot and can use the benefits?
FYI: Annual Income 90K