AmEx and BofA credit card questions...please help?? I have an AmEx Clear now, a Bank of America Gold, and a Chase card. Simply put, I want to either cancel the Chase or just keep it and use it for paying for same-day shopping, just to help my credit. I'd like to be able to transfer at least the AmEx and Chase balances over to whatever new card I get, to consolidate them and avoid their incredibly high interest charges. I want to get about $2,500 combined debt (from the AmEx and Chase) out of the picture. I'm looking to get a card that will give me a good credit limit starting off (though I know that many factors affect that), and at least a 0% APR for a minimum of the first 6 months; though longer is certainly better.I've been thinking of getting an AmEx Blue (possibly the 'cash rewards' card), because I don't use airlines, don't rent cars and don't use the benefits from the typical AmEx 'blue' airlines card.I really like my AmEx Clear card, but the interest rate is crazy. I also need a better card to replace the crappy Chase one. All of AmEx's other cards (except possibly the cash rewards and/or blue) have a bunch of other junk rewards I don't care about or want. Even the cash rewards and blue have some 'rewards' I don't care to have. But AmEx gives me awesome credit...moreso than any others I've had so far. I don't want to get a MasterCard...I just don't like them and some places don't accept them.Secondly, my Bank of America Gold has an annual fee. I eventually want to drop this one, as well...or convert it over to another card without one. I've been eyeing the BoA Visa Platinum Plus card, or a BoA Rewards American Express card. Particularly the Platinum Plus. What's the deal with this card? What's the hidden catches, from those who already have it? I just wonder what makes it so 'plus' over the others. Is it hard to quality for? Please help. Thanks. :-)Umm...oh yeah, I've seen how some people on here reply to other people's questions in a crazy way. Please do not bother saying "cut up your cards and use cash", blah, blah, blah. I'm not asking for financial advice...my finances are just fine, thanks. I'm not in debt over my head by any means. Just seeking advice as to what card is best to deal with Balance Transfers and general APR. I want to stick with a reputable company...even if the 'lesser known' companies have better rates. I have pretty good credit. A general score is somewhere around 750 (Experian FICO, though I know it varies with each one). Annual household income is about $50,000. I'm hoping to get approval for at least $5,000 for the balance transfer....just because I like to stay below that "50%" usage line. What do you think?
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