Today is the last day my old closed GECRB Sears card (very first CC) will be reporting on EX. It's a 19.5 year old tradeline and my AAoA is going to take a huge hit and score drop is likely. I recently did an app spree of 3 cards (HNB Voice, BCP, Citi AA) and have only had a 5K+ tradeline for 45 days (new Citi card, 9.5K). Util reporting 1% exactly. AAoA on TU is around 3 years, 5 years on EQ and EX. Scores TU 757, EQ 791, EX 716. HP's in the past two years (total) EQ 9, EX 4, TU 8. HP's in the past one year of total is EQ 2, EX 1, TU 2 (over half the pulls dropping off between July and Sept 2014). I still have an old, paid state tax lien from 03 paid 08 on EX. All others clean. Income supports 5K+ card. Other limits - HNB Voice 4.5K, DiscoverIT 3K, Cap1 QS1 2.5K, Cap1 QS1 1K, Citi AA 9.5K, BCP 2K (61 days is 5/25).
I can certainly wait but that's the final card I want and it might take a while for EX to recover. It's a borderline miracle (to me) to be knocking on the door of 720 with a PR on that report. Realistically, it'll be July 2015 when the tax lien falls off. I really, really don't want to waste two HP's because I got in a hurry. I do have prequal offers on Chase's website for the Slate at 17.99 and Freedom 18.99 (middle of the road offers).
App or wait?
Thanks everyone.
EDITED TO ADD: I have a 10 month old auto loan with Chase where I've paid quite a bit extra each month. Perfect history.
@MrCollector wrote:
@axledobe wrote:Today is the last day my old closed GECRB Sears card (very first CC) will be reporting on EX. It's a 19.5 year old tradeline and my AAoA is going to take a huge hit and score drop is likely. I recently did an app spree of 3 cards (HNB Voice, BCP, Citi AA) and have only had a 5K+ tradeline for 45 days (new Citi card, 9.5K). Util reporting 1% exactly. AAoA on TU is around 3 years, 5 years on EQ and EX. Scores TU 757, EQ 791, EX 716. HP's in the past two years (total) EQ 9, EX 4, TU 8. HP's in the past one year of total is EQ 2, EX 1, TU 2 (over half the pulls dropping off between July and Sept 2014). I still have an old, paid state tax lien from 03 paid 08 on EX. All others clean. Income supports 5K+ card. Other limits - HNB Voice 4.5K, DiscoverIT 3K, Cap1 QS1 2.5K, Cap1 QS1 1K, Citi AA 9.5K, BCP 2K (61 days is 5/25).
I can certainly wait but that's the final card I want and it might take a while for EX to recover. It's a borderline miracle (to me) to be knocking on the door of 720 with a PR on that report. Realistically, it'll be July 2015 when the tax lien falls off. I really, really don't want to waste two HP's because I got in a hurry. I do have prequal offers on Chase's website for the Slate at 17.99 and Freedom 18.99 (middle of the road offers).
App or wait?
Thanks everyone.
I was approved for the CSP with only my QS1 reporting at $1.25K. That was after about 5HP in the prior two weeks to apping for it (wasn't planning on going for it, did it on a whim). I think you'll do just fine, but YMMV.
That's a strong approval. How many of your cards are new?
I don't see a denial happening, to me. People have been approved for WAYYY less. Go for it and let us know your approval CL! Best of luck! 
Agreed. I would app while you still have the longer acct. history.
@KennyRS wrote:
I don't see a denial happening, to me. People have been approved for WAYYY less. Go for it and let us know your approval CL! Best of luck!
As always, I appreciate your support, Kenny. You're that little devil on my shoulder saying "go ahead, you know you have an itchy finger.... just do it". 
You got it !! I was approved for it in feb this year with a 692 score.. and my next highest limit was my freedom that i opened in dec 2013 for 3.5k
br>Current score - eq 682(myfico) ex 703(ex 02) Tr 701 (tr 04) ck fako 66)
People have growth periods in their lives where they suddenly wake up and realize they need more cards. It's normal and could be easily explained. I mean I would flat out say if they asked why all of the new accounts that I want to protect my credit from later being too much affected by one trade line falling off of my report. "I can certainly take advantage of this card and would love to further my banking relationship with Chase..." Etc etc.