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I was thinking about applying for an AMEX card to run the gamut so to speak. I have Visa/Mastercard and Discover already.
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Different scoring model if I remember correctly.Is the credit score from your cc fico report the same as the one use to finance a car?
Is the credit score from your cc fico report the same as the one use to finance a car?
He's talking about the scoring model. There are many different FICO scoring models.Fico is ur middle score from the three credit repositories..so whichever credit report u are using that would be ur fico..
so with different reports..ur fico will most likely change..credit reports are good for 90 days..realistically..ur credit score fluctuates all the time
Same here, I want to apply just to say i have an amex but perks kinda suck.I was thinking about applying for an AMEX card to run the gamut so to speak. I have Visa/Mastercard and Discover already.
Best advice for everyone. Just because people are saying something is good, that does not mean that it is good for you.
If a card doesn't make sense for you and your needs don't get it.
If a card doesn't make sense for you and your needs don't get it.
Best advice for everyone. Just because people are saying something is good, that does not mean that it is good for you.
He's talking about the scoring model. There are many different FICO scoring models.
Its complete BS . I know my car and mortgage scores are way lower than my CC scores .Does anyone else think this is a crock of ****? A single credit score is enough of a black box as is, why they make even more complex with different scoring models and not really knowing which bank or CC is using which model for what?
How can they make such a lack of transparency? Or am I missing something?
I just got my CSR in the mail. It came in a regular envelope instead of a box like this:
I guess it was the cost of having it expedited
for the $150 bonus when you spend over $500 in 3 months, do you need to pay off the balance or wait for the 3 months to claim it?
If a card doesn't make sense for you and your needs don't get it.
Best advice for everyone. Just because people are saying something is good, that does not mean that it is good for you.
Thats a fact
How does the "available as cash" work exactly with CCs?
You do not. Once you spend the $500 the reward becomes redeemable.for the $150 bonus when you spend over $500 in 3 months, do you need to pay off the balance or wait for the 3 months to claim it?
I love my amex blue everyday card. 3% on all groceries and 2% on gas. Just got a promotion last week also for 10% cash back on gas until I hit $250 spent. Basically a free $25 for gas. If anyone wants a referral for the $50 let me know and I can hook you up.
Whoa how did you get that 10% on gas? I've got a blue cash everyday too