You can go online as well- since I read this post I did a CLI online for 10K, bringing the total to 30K for now. Amex SPG.

As getting a Platinum early in 2013 for benefits and to bring utilization further down ( a nice trick if using cards for all purchases) I mean even when having enough credit to pay for 4 new Accords, there are months utilization hits 10% - holiday or a major purchase. So unless I increase my sad Chase Preferred (the idiots only gave me 6K as you guessed it, high utilization) City has 40K and have one card with 3K (don't ask). Thus figured Amex charge card would be best as no hard pull vs new cards or CLI with Chase to increase credit... Any takers? I know my aaoa will suffer, but have 720+ fico across the board.