I had really high utilization on my accounts. I paid everything off in early October, and myfico shows the scores as being mostly updated after a week or two, but Chase used a month-old pull for some reason (which I didn't know they had, even, and they had pulled more recently) and denied me for the Sapphire Reserve card. (other than uti my credit is great; I had a lot of low-rate balance transfers/etc. I was using while setting up my new company)
I'd like to get Sapphire Reserve, IHG (for the Platinum status), SPG Platinum Business, and maybe a top-tier mastercard, but am concerned about not triggering too many inquiries, and the 5/24 with Chase, so I was going to do Chase first. (Maybe I'll get the Ritz card, too)
Should I wait an extra few weeks beyond when my scores are >800 on myfico before applying again? Is it better to apply again directly, or call and ask for a reconsideration?
Once the new cards are done, I should I CLI the existing cards too, or wait 3mo until the inquiries have aged? It's only really an issue with Discover, since I've been using that for the 5% costco/amazon rebate.
(It is weird watching scores jump from mid-600s to 800s in less than a month)
