So right now, I am getting married and applied for the CSP(met bonus 60K) and then applied for AMEX Plat(met bonus 125k) and we still have another $3k or $4k to go. However, my score has gone from 785 to 760 ish across the board. Some has to do with Synchrony cancelling Paypal($10k) Amazon Store(10k) Lowes($25k) and Old Navy(10k.) I want to buy a house and I would apply alone for the mortgage at that time(6-8months), I do not want to risk my score going any lower. I have paid off the cards already that I have just recently got and received the bonuses for. The main reason my score is where it is Utilization, if I added another card with a solid SL this would definitely help with that.
I was looking at chase Hilton or Chase Bonvoy but I hardly stay at those hotes.
What ever card I get I would like to sock drawer it after the bonus or use it. My spending is minimal, I am just a normal person who goes on just a few vacations a year and doesnt drive a whole lot. Doesnt need a lot of groceries, I just want that SUB if I am going to spend enough to get it.
I currently have:
Amex Plat
Citi Costco 19,600
Citi Simplicity 5,400
Discover 9,800/8,500 used 0% APR
Chase Sapphire Pref 19,700
Chase Freedom 9,800/
Capitol One World 15,000
Cap One Quick 1,000
BofA BankAmericaCard 25,000/19,087 used 0% APR
Paypal 10,000 CLOSED recently
Amazon Store Card 10,000 CLOSED recently
Lowes 25,000 CLOSED recently
OLD Navy 10,000 CLOSED recently
