After messing up my credit horribly in my late teens/early 20s, being in denial about fixing it in my early 20's to mid 20's, and finally getting my sh*t together in my late 20's, I seem to have reestablished my credit.
I have a Chase Visa with about $1700 balance & a green AmEx that I use for daily purchases and pay off every month. I'm going to take the advice of another poster here and request to upgrade to a gold AmEx in a couple of months.
I also just finally canceled a First Premier Bank MC because my credit limit was $500, my monthly fee was $7, and my yearly was $47 (yikes!).
SO that's where I am currently.
I just got an offer for a Citi Platinum Select MasterCard. Would YOU apply? I'm interested in
a) transferring my balance from the Chase Visa and
b) retiring (not cancel, just retire) that card because there are no incentives to use that card
There is a 3% balance transfer fee, but that amounts to around $51, which is much better than getting hit with a 19% APR from Chase each month until I pay it off... BUT I want to make sure I'm getting the best card at the moment. For example, I totally would've gotten the AmEx Zync instead of the Green card, but I didn't do my research
Any advice MUCH appreciated!
Thanks in advance,