MemberSince99 wrote:You can certainly call them when you get the card and tell them you want to make the Cash + your main card as it offers good enough rewards for that and see if they can upgrade you. I don't feel your inquiries are excessive (no more than mine honestly) and I don't have 8 new accounts this year but I have a few. Hopefully you can get it!
One more thing I wanted to add about this card, and a general observation. I've noticed on some other forums, members being just FANATICAL to the death about not applying for anything in fear of the dreaded I word (inquiry) which apparently to them is worse than finding out you have HIV, getting fired from your job and getting a letter in the mail from the IRS you are being audited all at the same time. It's silliness and insanity to the point that I just laugh, if someone takes one hard pull in 6 months and uses that to accomplish 3 tasks which I think is good bang for the buck, they are screaming how this person is a credit criminal and the Navy Seals will have to take you out before you destroy credit everywhere!!!! I mean come on guys, I understand watcing it, but REALLY?????????
Ok off soapbox now and onto a practical subject about this card, and my app for it.
I had 3 Amex cards which I recently closed. They all backdated to 1999 giving me 13 years each on those accounts. I confess that I made it a point to apply for this card BEFORE those Amex cards dropped off my reports. Once that happens my oldest ACTIVE card is from 12/2011. Yep that makes my profile a lot thinner in terms of active cards, but it was only "thick" because of the backdating anyway, and I have some great cards to grow with now. To be honest I don't know if US Bank would have approved me for what they did without those Amexs on my reports. That's why I took the leap while they were still reporting. (I wasn't planning to).
So, I took a hard pull, but I feel it was good value, though I'm sure some of the more fanatical would argue how terrible that is to ever take an inquiry for anything, though darned if I've been able to figure out how you get credit without doing that.
But I did want to clarify that. I would say if you see a window like that, use the window to your benefit. In the end only you can decide what is best for you.
Now totally unrelated, but I have been thinking I would like to get an Amex Zync. I do not plan to make much use of the card, but it would suit me for 3 reasons - one backdating it would be nice to have a card reporting back to 1999 giving me 13 years history (fake but it would do that and that's what counts); second I like the CreditSecure program and could charge that monthly to the Zync card; and third ti would be nice to have an Amex, just in case and it would look good on my credit profile. Admittedly I care nothing for Amex, but then again it's not about that, they don't care anything for me either other than how much they can make off me so it's not about beign a love fest. That's what I'm thinking here. At least I'm honest about it!