My second oldest card: Citi BBVisa, is now 2 years old. Never late payment, $0 reported balance,
After 2 CLI’s (never declined), current CL = $11K
Currently eligible for another CLI.. but a CLI will cost a HP for sure (As this forum says & confirmed by phone with CSR). If that’s the case, would it be wiser to simultaneous app for new Citi product at the same time of the CLI request? [like maybe Double Cash card ?]
Note: CSR says CL is not eligible for tranfer to new Citi product outside of BB products (which I have no interest in).
Concerns:
(A) Keeping Inquiries minimal (and old) as I am soon to app for a Business Line of credit;
(B) If going to app for another CC, do I really want Citibank card.. when eligible for majority of cards ?
Data points:
EQ-FICO =746; TR-FICO = 764; EX-FICO = 756
Tradelines total = 7
5 revolvers / CL:
1 charge:
1 Installment:
CC apps = 4/24
AAoA = 18Mo
AoOA = 3yr 3Mo
Revolving util = 11%-13% | AZEO card util = 23%
2 Inquiries
1 - Equifax. - Citibank, Best B, - Sept ’18
0 - TransUnion - n/a
1 - Experian - Discover - Sept ’18
No baddies
No public records
Oldest card is Merrick Bank secured
Never had any store cards