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IMO I would definitely wait till June
You should get a score boost when the util comes down and the better the score the better the chance of approval and a decent starting line
@juniornj23 wrote:
I have seen so many getting approved from amex and i do have a amex card from penfed but i really want to get a amex cash back 6% supermarket .
Question is my UTl is 29% i own 23k in 2 credit card im going tonpay 15k on june should i wait until june so my Utl is lower plus 5 hp will be delted by that time .
I have 14 HP
Score 720
My last app was in September 2015
I want a BT card but i know i will be denied from chase slate
Limit 80k in credit card
4 car loans 2 pay all ready never late ever
Income 65k
Any advice
I think you'll be approved for the BCP.
@Anonymous wrote:IMO I would definitely wait till June
You should get a score boost when the util comes down and the better the score the better the chance of approval and a decent starting line
I agree with this approach...
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |