Ideal Utilization before CSP app

[kaskuli]

Hi guys, these are my current revolving balances

Wells Fargo    0/1700         0%

Discover         0/2500         0%

Amazon          0/2500         0%

Freedom     50/7000        0.7%

Amex BCP       0/7500         0%

Paypal MC   180/2000         9%

About 1% util overall

Acquired the Freedom card in January, my last apps were on 1/1/2014. I did a 6.5K balance transfer and paid it off in 4 months, otherwise I've only used it sparingly. I think that while 1%, 2% is good for scoring, it may seem like I'm "not making use of credit". I need decent limits on my next round of apps later this month as I intend to close the accounts that simply refuse to grow with me.

Or will the internal score with Chase be more of a factor?

[Kenny]

I would think there should be no issues regarding your utilization. Primed for the CSP app! Best of luck, I don't think you'll need it though!!

[notfancy]

I think you look pretty good and your scores are nice. What is your AAoA? Any negatives on your report? You mentioned new apps in Jan,  so how many of your cards are new? Good luck to you!

[kaskuli]

Wells Fargo 10/2012 [ 21 months ]

Discover It, Amazon SC, Amex Green 7/2013 [ 12 months ]

Amex BCP, PRG opened 1/2014 backdated to Jan 2013 [ 18 months ]

Freedom, Paypal 1/2014 [ 6 months ]

AAoA 13.1 months

Income 60~75K range

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No inqs since 1/1/2014, my inqs from last July will stop hurting my score soon, so INQs in the last 12 months will be EQ1, EX2, TU1

Hope to app for Fidelity Amex and Merrill+ too

[notfancy]

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@kaskuli wrote:

Wells Fargo 10/2012 [ 21 months ]

Discover It, Amazon SC, Amex Green 7/2013 [ 12 months ]

Amex BCP, PRG opened 1/2014 backdated to Jan 2013 [ 18 months ]

Freedom, Paypal 1/2014 [ 6 months ]

AAoA 13.1 months

Income 60~75K range

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No inqs since 1/1/2014, my inqs from last July will stop hurting my score soon, so INQs in the last 12 months will be EQ1, EX2, TU1

Hope to app for Fidelity Amex and Merrill+ too

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Chase doesn't like me, so I'm no expert, but I'd say you look like you're in pretty good shape then! Can't wait to hear how successful you were!

[kaskuli]

Was denied my Amex 3x CLi on 4/28 ... Will try again, but I think with my charge cards I have too exposure. Wonder if I should postpone my CSP app until after 7/27 ( 90 days since denial ) and try for the Amex 3x, and if successful, wait for that to be reported to CRAs... I want to close my Green  and Wells Fargo but not until after this mini spree...

[kaskuli]

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@notfancy wrote:

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Chase doesn't like me, so I'm no expert, but I'd say you look like you're in pretty good shape then! Can't wait to hear how successful you were!

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Well aren't you an optimistic fellow?!

Thanks

[mongstradamus]

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@notfancy wrote:

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@kaskuli wrote:

Wells Fargo 10/2012 [ 21 months ]

Discover It, Amazon SC, Amex Green 7/2013 [ 12 months ]

Amex BCP, PRG opened 1/2014 backdated to Jan 2013 [ 18 months ]

Freedom, Paypal 1/2014 [ 6 months ]

AAoA 13.1 months

Income 60~75K range

--------------------------------------------------------------------------------------------

No inqs since 1/1/2014, my inqs from last July will stop hurting my score soon, so INQs in the last 12 months will be EQ1, EX2, TU1

Hope to app for Fidelity Amex and Merrill+ too

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Chase doesn't like me, so I'm no expert, but I'd say you look like you're in pretty good shape then! Can't wait to hear how successful you were!

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Your CL were an bit better than mine when i apped for CSP in may, and i was approved for an decent 9k . Also i think you have an lot less inq than me. When i apped in may I hadn't apped for anything since sept 2013, but i had 7 ex 4 eq and 6 TU. They double pulled me with Ex and TU. 

[notfancy]

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@kaskuli wrote:

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@notfancy wrote:

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Chase doesn't like me, so I'm no expert, but I'd say you look like you're in pretty good shape then! Can't wait to hear how successful you were!

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Well aren't you an optimistic fellow?!

Thanks

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lady, and yes I am lol your chances really look good to me :-)

[kaskuli]

Lady!, sorry