Basic info in my Sig.
I want the BCP, mainly for the Backdating.
22.2 years oldest account, 4.0 years AAoA.
1 Installment loan Auto at almost 50% paid off.
10 Credit Cards
1 Store Card
UTL is right now at 13%, with balances only on two cards.
Biggest issue is Inquiries from Experian which is what I am sure Amex will use. I have 13 in 24 months. Last inq Amex Jan 2013, 1 Citi & 2 Chase Oct 2012, FNB July 2012 and 2 Wells from April 2012, the rest are over 1 year old.
Experian score from Experian is 742 as of today.
Is there anything I should do before I apply for Amex BCP ? I know I could get UTL down to about 7% next week and pay one card off to 0, other than that I guess time is it.
I really want another Amex to increase my AAoA because a my TU has only 1 Inq, and EQ only 2 Inq., and a few other cards I might want for the rewards only, not huge credit lines, but sign up bonus stuff.
Any thoughts ?
Thank you
About 600k in Credit Lines
CSP 29.9k, Citi DP 58.5k, Chase Sams MC 20k, Amex Hilton Surpass 35.6k, Hawaii Air 26k, Discover More 56k, Chase SWA 3.5k, WF PLOC 30k, B of A Visa 63.3k, Wells Plat Visa 8.3k, RC Willey 5k, Pen Fed Visa 50k, Pen Fed PLOC 25k, Lowes 25k, CSR 28.8k
