Hi Guys-
19 year old college student here. Long time reader first time poster. Very much into my credit.
Anyway, I got two credit cards (Cap 1 and Orchard Bank, which is now Cap 1) on my 18th birthday.
I currently have:
Cap One (500 CL) opened 12/11
Cap One (300 CL) opened 12/11
Chase Amazon (1000 CL) opened 2/12
**Citi Diamond Preferred (1500 CL) opened 5/13
Chase Disney Premier (3100 CL) opened 7/13
Discover It Student (500 CL) opened 7/13
**My dad got me this card without asking me to "help me build credit". He uses it himself and pays for it himself, and says he's going to give it to me with a 10k limit in a few years. Realistically, he just did it because he declared BK because of his recent divorce, and needed the intro APR rate himself. He also got me the two Cap 1 cards, which I hate because of the strict CLIs and $39 annual fees for not good service/rewards- but I digress.
Anyway, my goal is the AMEX BCP. My util is <10%, I have no deliquincies, and I have a few student loan accounts open also- all from 12/11. I was wondering if this plan sounded plausible:
Get a Green card sometime around December. I'd have two inquiries in 6 months then. AAoA around 1.5 years, with longest being two years. I would then hold that for a full year (where the annual fee is waived) then cancel before it kicks in, then in January of 2015, apply for BCP. By then, I'd have AAoA of 2.5 years, longest 3 years, 0 inqs, and prior AMEX experience. What would my chances be?
Sorry for the really long first post. I've been delayed at the airport for 12 hours, and I look forward to getting to know everyone!
Cheers!
~Matt