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Frequent Contributor
Posts: 456
Registered: ‎06-04-2011
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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.


03/12/2015:FICO O8: EQ- 790, EX - 805, TU - 831
Wallet: Amex BCP-15k, Citi Forward v-sig-12.5k, Barclays Rewards World MC-10.9k, Walmart MC - 7.5k, Amex Everyday-5k, Chase Freedom-4.5k, Target Visa- 1.5k
Valued Contributor
Posts: 2,266
Registered: ‎07-23-2012
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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 701 3/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 5 TU 1 EX 1 | Most Recent: 03/23/2015
Over 12 Months:6


2014 Goals:
Lower Utility
15% right now, but going up soon :smileysad:
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6400
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Frequent Contributor
Posts: 456
Registered: ‎06-04-2011
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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.


03/12/2015:FICO O8: EQ- 790, EX - 805, TU - 831
Wallet: Amex BCP-15k, Citi Forward v-sig-12.5k, Barclays Rewards World MC-10.9k, Walmart MC - 7.5k, Amex Everyday-5k, Chase Freedom-4.5k, Target Visa- 1.5k
Valued Contributor
Posts: 2,266
Registered: ‎07-23-2012
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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 701 3/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 5 TU 1 EX 1 | Most Recent: 03/23/2015
Over 12 Months:6


2014 Goals:
Lower Utility
15% right now, but going up soon :smileysad:
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6400
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Frequent Contributor
Posts: 456
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.


03/12/2015:FICO O8: EQ- 790, EX - 805, TU - 831
Wallet: Amex BCP-15k, Citi Forward v-sig-12.5k, Barclays Rewards World MC-10.9k, Walmart MC - 7.5k, Amex Everyday-5k, Chase Freedom-4.5k, Target Visa- 1.5k
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