https://ficoforums.myfico.com/t5/Credit-Cards/Help-with-my-next-move/m-p/1325187#M368508 <P>Okay, here goes-</P><P>&nbsp;</P><P>I just got my CR cleaned up, taking my score from 590 to the mid 700s (according to the usaa creditwatch monitoring thingy).</P><P>&nbsp;</P><P>As of right now, all I have is a secured BofA visa (CL 3k)-had it for a month. Nothing else. For business/selfish purposes, I would lllllove to get the Amex Delta SkyMiles Platinum. But there are two issues:</P><P>&nbsp;</P><P>1. I'm about to move and am wary of burning an inquiry on my cr. Depending on who you believe, I have from 0-3 on there now.</P><P>&nbsp;</P><P>2. I had a collection removed via pfd from Amex a few months ago. I had a platinum Amex and now they're offering me a preapproved Optima with a $500 credit line.</P><P>&nbsp;</P><P>Should I apply for the platinum skymiles Amex card or do the Optima thing and demonstrate that I can PIF every month or just wait?</P> Mon, 02 Apr 2012 00:38:48 GMT Anonymous 2012-04-02T00:38:48Z https://ficoforums.myfico.com/t5/Credit-Cards/Help-with-my-next-move/m-p/1325187#M368508 <P>Okay, here goes-</P><P>&nbsp;</P><P>I just got my CR cleaned up, taking my score from 590 to the mid 700s (according to the usaa creditwatch monitoring thingy).</P><P>&nbsp;</P><P>As of right now, all I have is a secured BofA visa (CL 3k)-had it for a month. Nothing else. For business/selfish purposes, I would lllllove to get the Amex Delta SkyMiles Platinum. But there are two issues:</P><P>&nbsp;</P><P>1. I'm about to move and am wary of burning an inquiry on my cr. Depending on who you believe, I have from 0-3 on there now.</P><P>&nbsp;</P><P>2. I had a collection removed via pfd from Amex a few months ago. I had a platinum Amex and now they're offering me a preapproved Optima with a $500 credit line.</P><P>&nbsp;</P><P>Should I apply for the platinum skymiles Amex card or do the Optima thing and demonstrate that I can PIF every month or just wait?</P> Mon, 02 Apr 2012 00:38:48 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Help-with-my-next-move/m-p/1325187#M368508 Anonymous 2012-04-02T00:38:48Z https://ficoforums.myfico.com/t5/Credit-Cards/Help-with-my-next-move/m-p/1325195#M368510 <P>Optima.</P><P>&nbsp;</P><P>If they are softing you to offer you the optima, they'll likely decline the plat.</P> Mon, 02 Apr 2012 00:38:17 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Help-with-my-next-move/m-p/1325195#M368510 Repo-ed 2012-04-02T00:38:17Z