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I'm currently at 5/24; on December I will go down to 4/24. I want to open a Chase Freedom Unlimited and the CSR, which will be shared with my wife since the dinning and traveling is done together 95% of the time (we travel a lot). Options:
a) I wait until December to go below 5/24, get the CFU, and afterwards have my wife apply for the CSR, to which I would be added as AU.
b) Wait until December to go below 5/24, apply for the CSR and have my wife added as AU. I'd have to wait until May 2019 to be below 5/24 again to get the CFU. Only thing with this option is I'm not sure I'd get approved (1.3y aaoe, 760-770 FICOs).
c) Have my wife apply for CSR now and add me as AU. I'd be at 6/24. I wouldn't be below 5/24 until May 2019, moment which I'd apply for CFU
What is the more efficient way to go about this?
I have an Amex with $18,000 CL, and I'm AU in a MC with $17,000. Household income $200K approx.