How long have you had you Amex Costco? I only ask because a $5000+ limit card with some history of good standing is really helpful to getting approvals with some of the stricter cards out there. Example: When I got my USBank Cash+ I had no real history of any cards with a $5000 limit or higher and they wanted to deny me the Cash+ ON THOSE GROUNDS and approve me for a lower card instead and I fought for a recon and got it. My biz cards don't show up on my file except the Spark and that card was only 2 months old at the time while the PenFed ($14000 CL) was applied for the same day and didn't show yet....obviously. I was an AU on my wife's long standing card account and they dismissed it because it wasn't really mine! Manual reviews catch that kind of stuff...
The point being that history of a prime card with at least $5000 is a real boost.
Start (Sept 2011): low-mid 600s. NOW: TU FICO: 801, EQ FICO 808, EX FICO 798 (PSECU). Goal: Achieved! Now Maintain!
Salek10,
You're in no man's land at 6 months on the Amex. It may or may not be enough. But there's always recon lines in case you get a denial or a delayed response. Again, this may only matter for stricter cards. The Freedom is not a stricter card. However, asking for CLI is a different matter than getting approved in the first place. Personally, I would say the chances are good. How long have you had the Freedom? That's an important detail I forgot to ask before.
Yes, you could wait longer. We can ALWAYS wait longer. That being said, if you are using it a lot and paying in full every month, a manual review for a CLI with an analyst may get the nod even if the automated reponse says no. Again, 6 months is tight...you could always wait just a few more months but that isn't to say it won't work.
Either way, I wouldn't do it today. Analysts are usually not available on the weekend so don't torture yourself with a pending or denial when you can't speak to anyone today who can help you. Keep the "Backdoor Numbers" link handy when you do call:
http://ficoforums.myfico.com/t5/Credit-Cards/Backdoor-Numbers/td-p/408066
Still, you're doing great and moving in the right direction quickly. All these cards are great long term trade lines that will help you build a strong average account age over time.
So, it's your call n the end. You could try tomorrow and request a recon with a analyst if they say no or you get a pending. Stress your usage and that you would like more room to use it more. OTOH, you would surly be approved for another similar level card like Quicksilver. I think the Fidelity Amex would work as well. I have never known it to be an expecially strict card compared to others that we are discussing here.