Whats my next move? New TL or CLI?

[700orbust]

Been wondering if this is a good time to make some moves or not:

Profile as of today via CCT:

EX 698 (a CO is still showing on this, hope to be removed as it has the others)

TU 725 (bankcard 8: 737, bankcard 5: 694, Score 9: 725, bankcard 9: 719)

EQ 718 (bankcard 8: 723, bankcard 5: 684, Score 9: 724, bankcard 9: 723)

Currently shows 13% util. 

Blue Cash Preferred 11.5k since 2011

Cap1 Spark Biz 11.5 since 2011

NFCU 22k, instant 7k CLI request a couple weeks ago (not reporting yet)

Merrick (old Geico card) 1.7k

Couple Comenity cards, zero balances

My AAoA is 10 years, 8 months

I app'd and received a Amex Platinum a copule weeks ago, SP only (not reporting yet)

I have 2 INQ on EX and TU, 6 on EQ, (3 are from a new car in June)

Now, we plan on buying new furniture, so I do want to use some credit over the next couple months. 

I'm wondering if/when I should attempt a CLI on Amex, or should I app for a new card through NFCU or elsewhere? 

Will the new Platinum hurt my AAoA so I should app for another new CC while I'm at it? 

I am a member at PenFed as well but have no credit products. 

I am SE so IV is a bit tricky, however NFCU knows I'm good for it since both biz and personal are at their bank. I've gone through an Amex FR before where I had to give them 3 months bank statments and survived with no changes...

Any advice on cards or next moves? I was hoping NFCU new Amex would be hot but other than a prettier design the rewards program looks to be bleh. 

[Anonymous]

Why not go for PenFed? with those scores, I'm sure you would get some nice CLs and a least two cards.

[700orbust]

When I set that account up years ago they were real strict and put it on a restriction. So I will have to take a hit for them to make it a normal account. Will they use that same HP for credit considerations? I do have some baddies from last year when I got sloppy paying my student loans, the main reason holding my scores from being 740+ I'm sure.

[Anonymous]

If it's from years ago, it will most likely be a HP.

[700orbust]

Pulled my EQ additional scores just to see:

bankcard 8: 723, bankcard 5: 684, Score 9: 724, bankcard 9: 723

[Anonymous]

The scores are good, i don't see you having issues getting approved for some cards.  If you're buying furniture soon, you should go for a card/s with a sign up bonus if you can use the miles.  

[Anonymous]

Probably a good time to go for Chase

[Anonymous]

OP - If you go to Chase, don't forget about the 5/24 rule.  i'm sure you're ok based on what you said, but just to double check.

[700orbust]

Whats the best chase card to have? Preferably one that does something I don't already get ha.

[Anonymous]

Well it depends, what are you looking for in the car?