Frequent Contributor
tonyaether
Posts: 341
Registered: ‎06-04-2011
App for another Amex or Request a CLI with Chase.....
I am weighing options of which would be more productive. Should I app for another Amex for backdating purposes after I reach the 1 year mark in Dec or would it be better to request a CLI with Chase? Chase has really not grown for me over the last 2 years. I am not really sure what they don't like about my spending patterns. I want to close out CareCredit when I make the choice. Since both will result in a HP, assuming I would be approved for both (have no idea), I am trying to see which would be better to do. I am thinking taking the HP with Chase would work out better since it wouldn't be a new account. However, I am unsure if Amex wouldn't report as a new account even with backdating.

Current Scores: 08/2013 EQ - 779(FICO), TU98 - 783(FICO ), TU08-818(Walmart FICO),EX PLUS-775 (FAKO) Credit Sesame - 804 (FAKO)
Wallet: Barclays Plat. Rewards MC $8.9k,Amex BCP $9.1k, CitiForward Signature $11k, Chase Freedom $3k,Target Visa $1.5k, Walmart Discover 7.5k, Delta Gold Skymiles Amex $2k
GOAL: 800 ACROSS THE BOARD!!!!
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
Re: App for another Amex or Request a CLI with Chase.....

tonyaether wrote:
I am weighing options of which would be more productive. Should I app for another Amex for backdating purposes after I reach the 1 year mark in Dec or would it be better to request a CLI with Chase? Chase has really not grown for me over the last 2 years. I am not really sure what they don't like about my spending patterns. I want to close out CareCredit when I make the choice. Since both will result in a HP, assuming I would be approved for both (have no idea), I am trying to see which would be better to do. I am thinking taking the HP with Chase would work out better since it wouldn't be a new account. However, I am unsure if Amex wouldn't report as a new account even with backdating.

is the other amex from '12? it shouldnt be a new account perse. its up to you. do you want to add another card? 

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Frequent Contributor
tonyaether
Posts: 341
Registered: ‎06-04-2011
Re: App for another Amex or Request a CLI with Chase.....
[ Edited ]
The other Amex is from Dec. 2011. It will be a year old in Dec. I don't really want to add another card. I want to replace the limit I am cutting with Care Credit without getting a new line or one that reports as new.

Current Scores: 08/2013 EQ - 779(FICO), TU98 - 783(FICO ), TU08-818(Walmart FICO),EX PLUS-775 (FAKO) Credit Sesame - 804 (FAKO)
Wallet: Barclays Plat. Rewards MC $8.9k,Amex BCP $9.1k, CitiForward Signature $11k, Chase Freedom $3k,Target Visa $1.5k, Walmart Discover 7.5k, Delta Gold Skymiles Amex $2k
GOAL: 800 ACROSS THE BOARD!!!!
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
Re: App for another Amex or Request a CLI with Chase.....

tonyaether wrote:
The other Amex is from Dec. 2011. It will be a year old in Dec.

well whats your aaoa look like? a card going back to jan of 11' could help you. while not that chase wouldnt give you a cli but depends what they do give you. 

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Frequent Contributor
tonyaether
Posts: 341
Registered: ‎06-04-2011
Re: App for another Amex or Request a CLI with Chase.....
My oldest account is 10 years old and my average age is at 5 years.

Current Scores: 08/2013 EQ - 779(FICO), TU98 - 783(FICO ), TU08-818(Walmart FICO),EX PLUS-775 (FAKO) Credit Sesame - 804 (FAKO)
Wallet: Barclays Plat. Rewards MC $8.9k,Amex BCP $9.1k, CitiForward Signature $11k, Chase Freedom $3k,Target Visa $1.5k, Walmart Discover 7.5k, Delta Gold Skymiles Amex $2k
GOAL: 800 ACROSS THE BOARD!!!!