http://ficoforums.myfico.com/t5/Credit-Cards/App-for-another-Amex-or-Request-a-CLI-with-Chase/m-p/1634562#M451824 My oldest account is 10 years old and my average age is at 5 years. Wed, 10 Oct 2012 01:17:44 GMT tonyaether 2012-10-10T01:17:44Z http://ficoforums.myfico.com/t5/Credit-Cards/App-for-another-Amex-or-Request-a-CLI-with-Chase/m-p/1634510#M451801 I am weighing options of which would be more productive. Should I app for another Amex for backdating purposes after I reach the 1 year mark in Dec or would it be better to request a CLI with Chase? Chase has really not grown for me over the last 2 years. I am not really sure what they don't like about my spending patterns. I want to close out CareCredit when I make the choice. Since both will result in a HP, assuming I would be approved for both (have no idea), I am trying to see which would be better to do. I am thinking taking the HP with Chase would work out better since it wouldn't be a new account. However, I am unsure if Amex wouldn't report as a new account even with backdating. Wed, 10 Oct 2012 00:45:52 GMT http://ficoforums.myfico.com/t5/Credit-Cards/App-for-another-Amex-or-Request-a-CLI-with-Chase/m-p/1634510#M451801 tonyaether 2012-10-10T00:45:52Z http://ficoforums.myfico.com/t5/Credit-Cards/App-for-another-Amex-or-Request-a-CLI-with-Chase/m-p/1634530#M451811 <blockquote><hr>tonyaether wrote:<br>I am weighing options of which would be more productive. Should I app for another Amex for backdating purposes after I reach the 1 year mark in Dec or would it be better to request a CLI with Chase? Chase has really not grown for me over the last 2 years. I am not really sure what they don't like about my spending patterns. I want to close out CareCredit when I make the choice. Since both will result in a HP, assuming I would be approved for both (have no idea), I am trying to see which would be better to do. I am thinking taking the HP with Chase would work out better since it wouldn't be a new account. However, I am unsure if Amex wouldn't report as a new account even with backdating.<hr></blockquote><p>is the other amex from '12? it shouldnt be a new account perse. its up to you. do you want to add another card? </p> Wed, 10 Oct 2012 01:07:27 GMT http://ficoforums.myfico.com/t5/Credit-Cards/App-for-another-Amex-or-Request-a-CLI-with-Chase/m-p/1634530#M451811 creditnocash 2012-10-10T01:07:27Z http://ficoforums.myfico.com/t5/Credit-Cards/App-for-another-Amex-or-Request-a-CLI-with-Chase/m-p/1634550#M451819 The other Amex is from Dec. 2011. It will be a year old in Dec. I don't really want to add another card. I want to replace the limit I am cutting with Care Credit without getting a new line or one that reports as new. Wed, 10 Oct 2012 01:16:39 GMT http://ficoforums.myfico.com/t5/Credit-Cards/App-for-another-Amex-or-Request-a-CLI-with-Chase/m-p/1634550#M451819 tonyaether 2012-10-10T01:16:39Z http://ficoforums.myfico.com/t5/Credit-Cards/App-for-another-Amex-or-Request-a-CLI-with-Chase/m-p/1634554#M451821 <blockquote><hr>tonyaether wrote:<br>The other Amex is from Dec. 2011. It will be a year old in Dec.<hr></blockquote><p>well whats your aaoa look like? a card going back to jan of 11' could help you. while not that chase wouldnt give you a cli but depends what they do give you. </p> Wed, 10 Oct 2012 01:16:01 GMT http://ficoforums.myfico.com/t5/Credit-Cards/App-for-another-Amex-or-Request-a-CLI-with-Chase/m-p/1634554#M451821 creditnocash 2012-10-10T01:16:01Z http://ficoforums.myfico.com/t5/Credit-Cards/App-for-another-Amex-or-Request-a-CLI-with-Chase/m-p/1634562#M451824 My oldest account is 10 years old and my average age is at 5 years. Wed, 10 Oct 2012 01:17:44 GMT http://ficoforums.myfico.com/t5/Credit-Cards/App-for-another-Amex-or-Request-a-CLI-with-Chase/m-p/1634562#M451824 tonyaether 2012-10-10T01:17:44Z