Any reason you want to apply for all three cards at once? You have very good scores and account age, but your profile is thin (card wise). Do you have anything else like a mortgage or auto loans? I'm just trying to get a clear picture of your overall profile. Also, you wrote 0% utilization. If both of your cards have a $0 balance, it would help to put a small charge on the Barclays card and let it report to get a few more FICO points.
I think you're a prime candidate for Amex and Chase. Always apply for the card you want the most first, but in this case the better choice is probably Chase first and then AMEX. I don't know if I would advise to apply for a third right away though. Chase will see your app spree when they check up on you and might not like it. I do think your scores will greatly benefit by adding two major bank cards.
Oops, just noticed the late payment. Not sure how much that will affect a Chase app, but at least it's a few years old. Someone else may want to chime in.
@NAIJAMAN wrote:Thanks for the response.
No mortgage or auto loans. Have 0 utilization on both cards right now but typical have like 5% for statement close. Reason I was trying to get these cards are below
Marriott boundless - I am a marriott titanium, so I think having a card makes sense. I am also hosting a event at marriott this year and the room spend added, will be something like $30k. Due to my status I will get 17points per dollar spent.
AMEX Plat - I prequalified for the 100k bonus. I travel for work and will enjoy lounge access, points for hotel/flights, uber credit, etc
Chase CSP - The 100k bonus is attractive and I have banking relationship already through checking account.
Marriott Boundless from Chase or Marriott Brilliant from AMEX - any ideas which may be best? I know amex has a high annual fee
I think the other question you need to ask yourself is how high of a limit will you get? The Marriott card might be great for you, especially with the kind of spend you're going to put on it, but if the limit is low, it's not going to be very helpful. I also don't recommend maxing out a new card unless you can pay it down right away. And even then, it might scare the lender.
Regardless though, try narrowing down the two cards that will serve you best. If you're not finding any offers from Chase online, try going in branch and see if they have anything for you. If you're feeling adventurous, apply without a preapproval anyway and see if you get approved. It's just an inquiry at worst.
