Opinion needed please. GARDEN or AMEX BCE? // Eventually CSP

[SquareObsidian]

Salutations.

I have been expanding my credit profile as of late, and was just wanting a few extra opinions on whether I should garden at this point or app for a new card so that they can all grow old together. ♥

Currently my Fico's according to MyFico are as follows:

ExperianFICO® SCORE
 711

EquifaxFICO® SCORE
 705

TransUnionFICO® SCORE
 763

My current cards are as follows:

Chase Freedom $2,200 9/13
Discover it $1,250 2/13
Capitol One Platinum $500 9/12 (Recently PC to Quicksilver)

Been getting a lot of mail offers from Bank of America for their Cash Rewards card but I don't know that I am interested in it. Recently opened up a checking and savings account with chase and I'll be putting the majoraty of my money with them. Eventually I'd like to go for the CSP. I know I don't have the greatest of incomes (28k) but, I've heard plenty of stories where someone with good credit and and a retail relationship with them have pretty good chances.

According to CK and CS and CreditCards.com/CardMatch the AMEX BCE is my "perfect" match where I am currently standing, but I don't really feel that's entirely accurate. I don't really like rejection. ♥

So, what do you guys think? Is it off to the garden with me?

Edit;

Util is usually 0%

[09Lexie]

Assuming your util is low and no baddies I would say you have a good shot at the BCE. Is the Freedom reporting?

[SquareObsidian]

The Freedom is not reporting as of yet.

[SquareObsidian]

My util as always been at or around 0%, I usually PIF before my statement cuts.

The only thing I'm worried about is inquiries. I'd have to check further on that.

[SquareObsidian]

Took me a while to realize I could edit posts..my bad.

Updated first post to include utilization.

[Creditaddict]

Don't pay all your account always before the statement because then it's not showing your credit profile you can handle any credit because it doesn't look like your using it... let 1 card report a month a smaller balance of some sort.

I would apply to Amex.. wait, amex was the question right!?

[Creditaddict]

oh and you got offers for Bank of America... I say those are good to go... apply.

my partner got his BCP through creditcards.com match.

[B335is]

I would app for the BCP before Freedom posts.  Plus you're locking in 2013 member year for future backdating purposes.

[SquareObsidian]

So looking at my credit profile I have a pretty good shot for it?

[09Lexie]

Use the link you get from creditcards.com that has a better sign up offer.

Go for the BCP and good luck!