In my opinion, I would try Amex first and Citibank "last". I have always had problems with Citi with anything over 50% UTL. Your stated income will be a large factor. Income to credit limit and debt is considered too which can work out to your advantage sometimes.
Tuscani wrote:You should be able to get any or all of the following:Amex Delta (EX pull)Amex Hilton or Starwood (EX pull)Citi Premier Pass (EQ pull)BofA Hawaiian Air Plat (EX pull)Good luck!
Do you think Amex is wise? Amex Blue shot me down based on an Experian pull..
Also - my HELOC which is maxed out at $65K shows as revolving debt - same as a credit card? I have no other real estate loans since my wife carries the 1st mortgage on our home.