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Trey Paint

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  1. Oh. I was under the impression that the gas benefit on BCP or other non-Costco cards was limited to stand alone gas stations. It would definitely be nice to get all the benefits on one card, since I don't eat out or travel much.
  2. Update: I finally decided that I would risk the possible denial and went for the BCP. APPROVED! Not sure of limit. I had trouble getting into the online account so I figure I'll just wait a week. Thanks for the encouragement. I was just afraid of denial, but I finally convinced myself it was worth the risk. I decided to wait on the Costco card since it would really only benefit me for the extra 2% on Costco gas, and I'd have to wait so long for the rewards $. Plus I got the $250 bonus plus zero interest for 14 mo. for the BCP, which more than offsets the AF. I then immediately applied for the Chase Freedom and was also approved for 5k. There was a note that said to discuss the limit when I call to activate the card. Anyone have any luck getting CLI on activation w/o another hard pull? Thanks again for everyone who keeps this site going. I've been lurking for a while and I have learned a lot. My next steps are to garden for 6 months and then decide if going for a January backdated Amex is worth it.
  3. Thanks for the replies. I know pre approvals aren't worth all that much. I am just still gun shy from the days when my credit was bad and my income was low and I got denied for everything. I was just wondering if getting an amex with such short revolving was just a pipe dream or if I have a real shot. I like the idea of getting 2013 cards in the future when I'm getting closer to the total garden state of mortgage prep. If I did go for the total spree of BCP costco and then Freedom, should I do it all in one shot or spread out the apps in some way? Anyone know if the costco is easier (or harder) to get? Didn't know if having history with costco helped at all. Thanks again.
  4. First post. Really enjoy reading the forum. I made a lot of mistakes with my credit and it has finally been 7 years since my last mistake. I have 36k in student loans that have established enough credit to pick up some cards. I started with a cap1 secured (200) in April and went for the pre approved platinum offer in May (1000). I also got an amazon store card (400 in May then CLI to 1900 this month). My first big score came with getting in with NFCU because of my brother's service and getting there signature cash rewards visa with 17k limit in June. It definitely felt great. My Exp FICO was 735 in my acceptance letter from Navy. Nothing has changed besides their inquiry and new account. My util is 1%, all on Navy, rest have no balance reporting. My income is 60k. My student loans age back from 2005 as the oldest account, with new consolidated loans turning 2 years old next month. My AAOA is 13 months because of all the new cards, plus a $500 secured loan I took out in April that I am paying off to establish credit and get in with my local CU. My Eq has an old BOA account started in 1999 reporting as closed by creditor. I payed it off after much duress in 2006. No negatives reporting, 100% on time payment history. My goals are to get an auto loan in about 1 year then getting a mortgage in 4 to 5. I would love to get in with Amex at some point to take advantage of their backdating and bonus offers in between. I am getting some targeted offers (none from amex yet) and the $200 plus 14 mo no interest on a chase freedom is the most tempting yet. I am leaning toward going for it, but I was wondering if I had any chance of getting an amex bce/bcp or costco card first. I only have a few months of revolving history, which seems a little weak for an amex. I see people with similar scores on credit pulls getting bce, but they may be more established. Plus I have quite a few new accounts and 3 inquiries on exp, 4 on TU. I don't travel, so the easier delta card is not very useful. I don't want a $100 AF or more on a charge card when I can get several hundred worth of rewards on a Chase Freedom or Amex BCE/BCP in a few months. So here are my options: take Chase and garden for however long it takes to get Amex pre approvals, go for BCE/BCP or costco (or maybe both) then garden until I'm ready for a new car, or go on a spree and get amex and hope Chase still wants me. I'm concerned that the inquiry from a failed amex app may kill the deal with Chase. Also should I apply now or wait for the accounts to turn 2, or even garden for a while instead of getting anything else now? I spend plenty of money at costco and grocery stores to make the amex a good deal. I also plan to use amazon for Christmas shopping, the Freedom 4Q 5% plus no interest would be nice as well. Aside, of the 3 amex, are they similar requirements? I see higher scores for preferred approvals. We do enough grocery shopping to make it worth the AF, but I'd prefer a safer bet. Thanks so much for any advice or similar stories and sorry for the lengthiness.

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