Reply
Frequent Contributor
Posts: 341
Registered: ‎06-04-2011
0

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

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.
FICO O8: EQ- 782, EX - 804, TU - 819
Valued Contributor
Posts: 2,262
Registered: ‎07-23-2012
0

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


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: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Frequent Contributor
Posts: 341
Registered: ‎06-04-2011
0

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

[ Edited ]
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.
FICO O8: EQ- 782, EX - 804, TU - 819
Valued Contributor
Posts: 2,262
Registered: ‎07-23-2012
0

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


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: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Frequent Contributor
Posts: 341
Registered: ‎06-04-2011
0

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

My oldest account is 10 years old and my average age is at 5 years.
FICO O8: EQ- 782, EX - 804, TU - 819

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.