You need your AAoA to grow. Snce Citi had the highest CL, you should have kept that one.
You need to get closer to your limit say 30-40%, then pay in full. You may tak a little tdip due to util, but it will recoer. Have you tried Discover?
Welcome to the forum. Unfortunately closing those cards really hurt you. Now your going to have to garden no more applications for at least 6 months to a year. You have to show good credit management on your current card. Letting your credit pulls and credit age. Credit is a journey not a race. You have to prove yourself to creditors.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
11 inquries. Not good. You have a 'thin' file too (it sounds like) No car loans, student loans, etc?
If you read more on here, you'll find they recommend not closing accounts unless you're just trying to get rid of annual fees. I would lay low for awhile, pif every month and let the current open card grow with you. After say another year when the inquires aren't hurting so much try one or two apps. A 'higher end card' comes with a positive history and time. Rushing this typically backfires. How long have you had your current open cc?
EQ 817, EX 815, TU 813 (Updated 1/5/18: TU 843
Well, continuing to app when you're getting denied is definitely not helping. Now it's just a matter of time healing the dings from the multiple inqs and continuing to build good positive history on the card that you have. In the future, I'd recommend not closing accounts until you have the card that you want. For maximum fico scoring purposes, it's considered best to have your UTL at <10%. I think the reason the above poster recommended getting it up to 30% is to at least make it look like you're using the card. Constantly PIF before the statement cuts to <1% can make it look like you don't need any extra CL. Also, people don't get tons of CCs bc they necessarily need it but it's helpful for their overall credit.
Welcome to the forum! If you were afraid that $220 would be considered too much credit, I'm curious as to how a $5k CL with CSP fits in.
CSP is a great card but inorder to reap the benefits you need to be able to offset the AF and/or reap the rewards. Inorder to do that, spending should be upwards of $39k a year.
Perhaps another travel card would fit up your needs
CSP is a great card but inorder to reap the benefits you need to be able to offset the AF and/or reap the rewards. Inorder to do that, spending should be upwards of $39k a year.
Perhaps another travel card would fit up your needs
