- Centurion Member
- Posts: 3941
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
Congrats on the Amex approval!
As to your question - I can see situations in which it would matter, but the consequences would differ.
If you have a great history on Synchrony cards and have a great corresponding FICO, then the computer that initially looks at your application for a new card probably won't care who your existing creditors are.
On the other hand, if you need to contact a human for reconsideration, then you might be in better shape and more persuasive if you already have a few cards with prime lenders. I don't think GECRB/Synchrony is prime, but it looks better on a credit report than First Premier.
There is anecdotal evidence that Discover will approve, but give a low limit, to someone who already has several (as in 6+) other prime cards.
Getting an Amex is a good step. With more info on your credit background and spending, we can give you advice about which cards to consider with other lenders, and when to possibly apply.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May