What should be my next app? CSP maybe?

[Creditobsessed12]

Please don't judge me.  I know I am obsessed with cards as are many of you.  LOL These are my current cards and limits.  They all have a nearly zero balance.  I already applied for increases using soft pulls where I could like Discover, Bloomies and Amex. BoA limit was only $500 and they finally gave me an auto increase to $2500.  Cap One venture is ridiculous!  I have been asking for a CLI and they keep denying it.  The letter that I receive keeps referencing my credit score from August!!  I contacted them via facebook and no luck with this.  I don't undertstand how often they soft pull.  I guess I will try in another couple of weeks. I would love the CSP but Chase has NEVER given me an increase on my freedom card and I'm afraid to get rejected or get a low limit.  I want a 50K limit.  Any ideas on what to get?  My scores are TU-765 EX-724 EQ-739

Oh I also recently got the Navy Flagship with a 25K limit and I had the Navy Amex with $8600 and I asked Navy to close the Amex and move my limit to my flagship so now my limit is $33,600.  This made me super happy!  But I still want ONE more card with hopefully a high reward.

Discover               $7,500.00

Barclay                  $9,000.00

Navy Visa             $24,000.00

Bloomies Amex  $11,500.00

Cap One Venture $15,000.00

Cap One QS          $6,550.00

BoA Americard    $2,500.00

Chase  Freedom   $500.00

Amex ED  Preferred   $14,100.00

Navy Flagship       $33,600.00

NEFCU visa            $24,000.00

Home Depot          $10,0000

Lowes                     $17,000

Total available credit  $175,250

Also have Amex Green with 0 balance

[FinStar]

Unfortunately, Chase isn't going to give you a $50K SL from the get-go.

Are you looking to capitalize on URs or any type of travel with the CSP? What are your goals associated with getting the card?

[Creditobsessed12]

I want a high sign on bonus and good travel rewards.

[Bees18]

@creditobsessed12

when did you open each card and how many were opened in the last two years?

is it normal for BofA to start off with that low of a limit when your others are fairly higher?

[Creditobsessed12]

Most have all been open over 4 years. The flagship was opened recently. The navy cash rewards is 1.5 years old. My AAoA is 4 years I believe. It went down because my student loans were all closed and those were my oldest accounts.

[xaximus]

The Freedom may be bucketed, hence why the low limit. My suggestion would be to app for the CSP but are you under 5/24? From what your scores/CL look like, I don't think you'll get a 50k limit from Chase and possibly not from any other lender. (Sorry for being blunt).

[Creditobsessed12]

What does 5/24 mean? I think you are right in that I might not get 50k maybe I should just not apply for anything right now. I don’t want a low limit. I would take 30k as long as the card will grow. How about BoA? Any recommendations?

[Creditobsessed12]

Oh Nevermind I looked up the 5/24 rule. I believe I’ve had 4 cards opened in the last 24 months which includes the flagship that hasn’t reported yet.

[Creditobsessed12]

I pulled the trigger and went for the BoA travel
card since it grows quickly and all via a soft pull. They approved a SL of 15k. Has anyone had any success in recon the SL?

[FinStar]

The $15K SL is actually pretty decent. Would you be using that out of the gate? Potentially, if you haven't used the other BoA account that much in the past 6-12 months then they won't likely budge on the SL.

You would need to contact UW to determine whether your overall profile merits a higher SL. They would be the ones to decide.