- Centurion Member
- Posts: 630
- Joined: Thu May 10, 2012 10:10 pm
- Location: North Los Angeles County
Sevenfeet- I hear you about the slate. My thinking was that I just did not want to apply for cards I really don't want or need at the moment or get a card (like the Delta and then maybe PC it?). That sounds like a good idea, and maybe I will call them up and see if I qualify for it right now, I wanted the Freedom basically for the categories that it offers.
The main reason why I wanted the Chevron card to be honest was because Is wanted to have a a relationship with GE, and to be honest I'm not really interested in any of their other products simply because I don't shop much and when I do I only buy things I need..so that was really the only reason I was planning to apply for them anyways, but if my BOFA card would be better, then I'd save an inquiry..lol.
Ahh I see. I typically do not like to keep any balances on my cards in case I forget to pay them or something happens and I am away from my computer for an extended amount of time. The only time I really do leave a small balance is when I'm apping for a card and I leave maybe 20$ on there and then just pay it off, but I heard that it does raise your score. I agree, I would think that the FICO model would not penalize you by paying in full, but it looks like they do...lol.
Ahh okay. This would just be my first time opening something other then credit cards and other bank accounts..lol. I wanted to go with vanguard, but I have heard that their initial opening deposit is 3k (which is not an amount I currently have at the moment, but I don't mind making contributions that are in the 50-100$ range.) I will do some more research and then go with what I find, and I was curious with your's and other people's experiences with said firms. I'm surprised too that they don't really talk about their cards.
The only reason why I applied for the PRG was because I wanted to get my foot in the door with Amex and build a relationship with them right now and then down the road I would evaluate my chances and see if I can try for another of their cards. I might cancel it because I just simply do not spend enough to justify the annual fee. If I was spending and getting more out of it I would not mind paying it but when I'm only putting 3-400 a month on it, I just think it is not worth it. Maybe I might re-apply for it sometime in the future when I am making more money.
The Delta Gold does have an annual fee of 95$. I travel on Delta 3-4 times a year, but mainly if I'm going to New York (to visit family) Or Minnesota (also have family there.) or so on. Other then that, I typically fly by whoever has closest specifications of a trip I'm planning. Meaning it leaves at the time I would like to leave at, if it has stops and so on. Domestically, I fly Delta and Southwest quite a bit, and United or American once in a while. But Mainly on Delta and SW. It just depends who has the best timing that fits my schedule as well as the routes and stuff. So yes, I don't fly as often, but when I do, most of my travel is on those two Domestically, internationally it is usually Cathay Pacific, Emirates, or Singapore airlines.
Gamma- Should I apply for the BCE then? I just don't want to apply and get rejected even though it is a soft pull. Yeah, that was the only GE backed card I was thinking of getting since I wanted to have a relationship with them, I don't always have to use my BOFA card, and with the BCE, I would use it until my BOFA card is paid off, so it would be a back up gas card for me..lol. So would I qualify for any of the cards mentioned above though? What should I do?
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.