- Centurion Member
- Posts: 410
- Joined: Wed Jun 04, 2014 1:06 pm
- Location: Chicago
You should be able to apply for BCP again now, but they may treat it as a duplicate application and cancel it. I have had BCE for over a year, which works quite well for me since it does not have annual fee, and my spending is not so much. I can see the BCP application link, so supposedly I should be able to have BCE and BCP simultaneously.
Anyways if you spend a lot on grocery and gas, then you can simply do a conversion so there won't be new hard pull and such, but there is saying that you need to wait 1 year before being able to convert (CARD Act prevents banks from increasing fees within the first year of account opening).
For the Equifax score problem, you can pull your latest credit report and see how it looks like. Obviously most of the time reports will not get updated as soon as you make payment.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
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