Hello everyone, new member here, very glad I found this site!
Just a little bit about my situation;
I'm 22 and recently, my credit has been a bit average (I believe to the new inquiries & somewhat high Utilization)
I recently just purchased an English Bulldog puppy, which is financed for $2800
Cards (What I owe versus what my Limit is);
AMEX Blue Cash Everyday - $1800/$2000 CL
Chase Sapphire - $2000/$5000 CL
Chase Freedom - $900/$1500 CL
Capital One Platinum $500/$750 CL
Bank of America Student Card (First card ever) - $450/$700 CL
Auto Loan (Lease on a 2013 Honda Civic) - $221 a month (36 months) already have paid 6 months.
My biggest question here is, I know that my limits are a bit high right now as my father had lost his job and I've been helping him pay but now he is getting back on his feet and helping pay back what he owes me,
I was really looking into paying off the AMEX card, within the next few months and then looking into getting the Gold Rewards AMEX card.
What do you think? Will my odds of getting the Gold card be good? I have no negative marks on my credit history, and most of the hard inquiries reported are over a year old.
Thanks and looking forward to hearing from the members here!
