Congrats on an impressive haul!
Two bits of advice - aim for slightly less utilization. Instead of below 10%, go for below 8.9% for the best effect on your scores.
Second, garden for a year rather than 6 months. That’s a big chunk of inquiries and new accounts and they will have an effect. Give them 12-13 months so the inquiries no longer affect your score and your accounts age (youngest account hitting a year of age is good for a score boost), and focus on CLIs on these accounts instead. After a year, if you need to apply again, I’d go after Discover and an AmEx core revolver. If you’ve gardened well and kept UTI low you could be positioned for some big SLs!
Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s
5/24, 1/24, 76445/24, who cares #HappyWithAmex


Entering the garden 5/27/2019, staying until 2020(Lol so much for that grand plan...)