I have been slowly going on a mini spree. I never knew much about asking for CLI's until I joined the forum. Anyway, I received the 3X CLI from Amex and, yesterday I called Citi for a CLI but it was a HP (went from 11K to 16K) on EQ. The lady sounded like she knew what she was talking about and said it was always a HP as I am really asking for more credit. I also called Cap One and they transitioned me from my disliked Cap One Platinum (originally Orchard Bank) with NO rewards or anything to the VentureOne Rewards (SP). I told them I really wanted the Venture Rewards because of the 2 miles/dollar but they said they only had one upgrade available and without the 20,000 bonus, of course, because it technically is not a new account. I guess I should be grateful, but I feel dealing with Cap One is always like pulling teeth. The only new card I have is the Barclaycard World Arrival which I really like.
So I have one new card and 2 CLI's. Since I have admittedly never joined the Garden ( which I will be in soon) do you think I should app for just one more card or leave it where it is. I really just want one more card solely for a balance transfer or am I going too far? I want to transfer a balance from my Amex Gold Delta card which I have the highest APR and don't really like the card now anyway. I don't know how the Garden views CLI's vs..new accounts.
I have no baddies, no late payments, 2 new HP's, 1 HP that is 1 year, 2 months old, and 2 will drop off this month as they are 2 years old.
Thanks in advance for any suggestions.
My vote is go for the card but wait for the 2 hps to drop off even though you should be golden either way. See you in the garden. Congrats on your credit journey!