I recently posted about applying for a Delta Platinum, but my credit plans have changed a bit. I have moved into a new role at work with much more limited travel than my current "road warrior" role. With an upcoming wedding, I may need to carry a balance for a few months, but nothing too major. My plan is as follows -
In a month or so, my CSP will be PCed into a Freedom. I would like to app for either the CashRewards or Flagship from NFCU, as well as a low rate basic Visa from my local CU that is at a 5.20% (Prime + 1.70%). Since my EQ is frozen, both CUs will pull TU where my score is at 762, two inquiries (1 this year, 1 last), about 6% utilization, ~2 years AAoA, 7 years oldest account, no negatives. After this, I will close my BCE because I simply have no use for it anymore and am looking to simplify my portfolio. I could generate good usage and good rewards from my lineup including: PRG, NFCU (Cash or Flagship), Freedom, BB&T Spectrum, Local CU, BB&T Platinum (Oldest).
