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If you were to app now, you have good scores and your derogs are older, since USB is famous for manual review. The only issue i see is that Citi or WF might get weird for the 3/6 and 10/12.
I would go the Golden Checking route with USB. You will see what cards and what limits they will give you before you finalize things.
Are they limiting you to one gold checking account now?
@Caught750 wrote:
No, but why would I open more than one checking?
You don't have to actually open the account, the process let's you see what you qualify for on a SP. You can cancel the application after that.
I had three checking accts at USB until I closed one recently. I like having two, one my direct deposits go into and another I use for household expenses, bill pay and occasional random debit card & atm use.