Ok, so I hit the 20 swipes to get the 20% bonus! I still have another $300 to charge before I hit the 15,000 sign on bonus for $1000 charged in the first 90 day. But I will be paying some bills this week so I will hit that then.
So my first statement cut after 2 weeks but did not report to the CRA.
My AMEX Statement closing date will be the 19th.
I need advise on how to address payment/util % before the 61 CLI request.
I was planning to pay down and let $200 or 300 report on my statement. I am not apping and I don't see the benefit in paying before the statement cut date. I can make another payment before my 61 day but not before the next statement to keep AMEX util down to 20% or less. Who does AMEX soft pull on for CLI? My scores are below.
I have 5 CC's now. Three will be reporting balances and two at 0 Balance. I have read the AMEX thread...does anyone have advise. I don't mind waiting for CLI request if I need to to get my other CC's down. Discover is the big one at 70% util. SM's will be at less than 10% and Target and Cap1 QS at 0 and Amex at 20%. If I need to get Discover down first....then I will...but that is where it was when I apped for Amex so I am not sure that it is an issue.
Suggestions?
CapOne $7500 | Discover $8500 | Amex ED $25K | Barclay SM $5700 | Chase Disney $500 | Chase Slate $5K | Target $3K | Hilton Amex $2K
Gardening Since 4/3/2017
