- Centurion Member
- Posts: 119
- Joined: Fri Sep 28, 2012 9:22 pm
- Location: Texas
jrmsu wrote:So, I have been considering applying for an AMEX. The problem is that I don't really need one. I don't want a charge card with an annual fee. The EveryDay and BCE don't have benefits that I want or my current cards do not cover already. I try to justify wanting one because:
1. The backdating might eventually come in handy.
2. The potential 61 day CLI seems appealing.
3. They look pretty...
Have y'all ever applied for a card you didn't need for "petty" reasons?
Every credit card I have applied has met a specific financial goal. Even though some credit accounts can be tempting, getting the ones that serve a long term goal are the ones worth having.
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]