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Frequent Contributor
tonyaether
Posts: 334
Registered: ‎06-04-2011

App for another Amex or Request a CLI with Chase.....

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‎10-09-2012 05:45 PM

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.
Starting over in the garden...my seed has been planted:-)Last app: 02/23/2013
Current Scores: 12/2012 EQ - 783(FICO), TU98 - 773(FICO ), TU08- 763(Walmart FICO),EX PLUS-775 (FAKO) Credit Sesame - 804 (FAKO)
Wallet: Barclays Plat. Rewards MC 0/$4.9k,Amex BCP 0/$9.1k, CitiForward Signature $900/$11k, Chase Freedom 0/$3k,Target Visa 0/$1.5k, Walmart Discover 0/5.4k, Delta Gold Skymiles Amex 0/$2k
GOAL: 800 ACROSS THE BOARD!!!!
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Valued Contributor
creditnocash
Posts: 1,918
Registered: ‎07-23-2012

Re: App for another Amex or Request a CLI with Chase.....

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‎10-09-2012 06:07 PM

tonyaether wrote:
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.

is the other amex from '12? it shouldnt be a new account perse. its up to you. do you want to add another card? 

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: $21,600

Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012


2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000
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Frequent Contributor
tonyaether
Posts: 334
Registered: ‎06-04-2011

Re: App for another Amex or Request a CLI with Chase.....

[ Edited ]
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‎10-09-2012 06:14 PM - edited ‎10-09-2012 06:16 PM

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.
Starting over in the garden...my seed has been planted:-)Last app: 02/23/2013
Current Scores: 12/2012 EQ - 783(FICO), TU98 - 773(FICO ), TU08- 763(Walmart FICO),EX PLUS-775 (FAKO) Credit Sesame - 804 (FAKO)
Wallet: Barclays Plat. Rewards MC 0/$4.9k,Amex BCP 0/$9.1k, CitiForward Signature $900/$11k, Chase Freedom 0/$3k,Target Visa 0/$1.5k, Walmart Discover 0/5.4k, Delta Gold Skymiles Amex 0/$2k
GOAL: 800 ACROSS THE BOARD!!!!
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Valued Contributor
creditnocash
Posts: 1,918
Registered: ‎07-23-2012

Re: App for another Amex or Request a CLI with Chase.....

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‎10-09-2012 06:16 PM

tonyaether wrote:
The other Amex is from Dec. 2011. It will be a year old in Dec.

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. 

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: $21,600

Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012


2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000
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Frequent Contributor
tonyaether
Posts: 334
Registered: ‎06-04-2011

Re: App for another Amex or Request a CLI with Chase.....

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‎10-09-2012 06:17 PM

My oldest account is 10 years old and my average age is at 5 years.
Starting over in the garden...my seed has been planted:-)Last app: 02/23/2013
Current Scores: 12/2012 EQ - 783(FICO), TU98 - 773(FICO ), TU08- 763(Walmart FICO),EX PLUS-775 (FAKO) Credit Sesame - 804 (FAKO)
Wallet: Barclays Plat. Rewards MC 0/$4.9k,Amex BCP 0/$9.1k, CitiForward Signature $900/$11k, Chase Freedom 0/$3k,Target Visa 0/$1.5k, Walmart Discover 0/5.4k, Delta Gold Skymiles Amex 0/$2k
GOAL: 800 ACROSS THE BOARD!!!!
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