Approved for Platinum on May 6th. My 91+/3 is August 14th (3rd statement) and I plan on applying for the Flagship. What are your thoughts? Here are the updated DPs:
TU: 669 (as of today)
EQ: 670 (as of today)
EX: 651 (as of today)
(Scores were juuuuuust under 700 before all of the following took place):
-NF CashRewards card ($3k limit): Just reported at 33% on July 6 (I paid my rent, but paid it off after reporting). This card will report again on Aug 6th. Opened Nov 2019. Never late.
-NF Platinum Card ($3,800 limit): 3rd statement for this card is August 14th. I just made a payment of $2k this week and now the balance is $1.1k. Two more statements (July 14th and August 14th) before 91/3. Opened May 2020. Never late.
-NF Pandemic Loan ($2,500): Cur Bal: $2,500. First payment is due next week.
-I have other non-credit accounts with NC as well.
I hate Captial One. Keep in mind I have been with them for 5 years.
-CapOne Card #1 ($1,350 limit): I almost never use this card. Cur Bal: $186. Opened Feb 2015. Paid on time since June 2018.
-CapOne Card #2 ($750): I almost never use the card either. Cur Bal: $125. Opened Aug 2019. Never late.
-CreditOne ($950 limit): I only keep this card because of its age (1y 3mos), future credit limit increases, and helps with utilization. Cur Bal: $0. Never late.
-Student loans: Payment deferred until July 2021. Cur Bal: $33k. Never late.
-CareCredit ($11k limit): Opened May 2020. Never late. Cur Bal: $3,200 (This will go up next week. See below). Will report one more time before my 91/3 around July 22nd.
BAD STUFF:
-Ch7 BK Filed: Oct 2014, DC: Jan 2015
-7 inquiries from Dec 2018 to May 2020.
-CapitalOne C/O: Closed March 2018
-Merrick C/O: Closed Dec 2017.
-CareCredit: Utilization is currently $3200/$11k. Next week the remaining bal owed ($7400) for an upcoming procedure will be charged. Ultil will be 96% as of July 22nd. This is the balance that will be reported at the time of my 91/3 when I apply for the Flagship. I am not sure about CLI with Syncrony Bank.
I plan on minimizing my CashRewards usage and throwing money at my Platinum Card between now and my 91/3. The CareCredit I will not be able to do as much before then 
I may not even apply for the Flagship as they do not currently have a SUB, which I may wait for before applying. IF APPROVED for the Flagship, I hear so many people say to apply for CLI for my other two cards AFTER I am approved for the Flagship (whenever that will be). After my Flagship approval, I plan on gardening for a few years and paying more of my balances down. All of this is to prepare to buy a house when my Ch 7 falls off in Oct 2024 or Jan 2025 and apply for an AMEX sometime after that 
THEN I will be done apping forever
Any thoughts, ideas, tips, etc????????????????
Might want to hold off on FS until the SUB comes back.
