Might app soon and I am seeking guidance. I've done a fair amount of reading but would like some specific feedback if possible. thank you for your insight!
1. I know that for ideal FICO score, I should have 1 TL report 1-9%. Is this solely based on 1 TL, or is it a percentage? For example. If someone has 4 TL, and 1 TL is carry a balance, that is 25%. If I have 20 TL, will it matter if I had 5 TL carrying a balance since it's also 25%?
2. Chase seems to use some internal scoring model on top of everything else. I have recently made a larger payment to my Freedom but the statement hasn't cut yet. If I app for the Hyatt, would they be able to see I've already made a large payment or should I wait for the statement to cut and posted to my CR?
3. I was pre-selected for the Barclay Rewards for 24 months 0% BT/Purchases. I'm afraid they will give me a low CL and I'll waste a HP. Any one have experience with Barclay given a sizable CL to start? If not, I may as well go for the Arrival, go down to 12 months but have 40,000 points to spare.
4. I was also interested in either the Citi Simplicity or Diamond Preferred for 0% BT. They seem so similar, is one easier to get than the other? Which one may possibily yield a larger CL? Does Citi move CL around as easily as Chase does?
5. I thought about getting the US Bank Plat Visa for 0% BT and low APR as well. Eventually PC to Cash +. I hear they are conservative with CL as well, but my fiance recently apped and was originally approved for $5K CL, but recon'd to $15K, same HP.
6. I currently have the PRG and I'm looking to get rid of it for the Plat. I have an upgrade offer available when I sign online, but of course, no sign up bonus. I was going to cancel the PRG and app for the Plat. Do I have to wait 90 days?
7. Finally, I am currently at 18K on my Amex Blue Cash and is due soon for my 3x CLI. I'm not sure what amount I should ask for since I don't really want to submit tax documents but I also don't want to short change myself by asking for too little. I currently have 1 other TL at $18K and 2 other at $20K.
Additional info:
Just pulled all 3 report a few days ago. No Baddies, 14 year 4 month history, AAoA is 5 years, Utilization is 5% (it should be lower now), newest account is 7 months ago, (6 actually) and in the past year, I have 6 Inq on EX, 5 on EQ and 5 on TU. One will be falling off all three reports (Mortgage pull) in June.
Thanks everyone!
12/19/19 
06/11/20 
07/02/20
@vpae wrote:Might app soon and I am seeking guidance. I've done a fair amount of reading but would like some specific feedback if possible. thank you for your insight!
1. I know that for ideal FICO score, I should have 1 TL report 1-9%. Is this solely based on 1 TL, or is it a percentage? For example. If someone has 4 TL, and 1 TL is carry a balance, that is 25%. If I have 20 TL, will it matter if I had 5 TL carrying a balance since it's also 25%? 1 tl
2. Chase seems to use some internal scoring model on top of everything else. I have recently made a larger payment to my Freedom but the statement hasn't cut yet. If I app for the Hyatt, would they be able to see I've already made a large payment or should I wait for the statement to cut and posted to my CR? yes, they can see all of your accounts
3. I was pre-selected for the Barclay Rewards for 24 months 0% BT/Purchases. I'm afraid they will give me a low CL and I'll waste a HP. Any one have experience with Barclay given a sizable CL to start? If not, I may as well go for the Arrival, go down to 12 months but have 40,000 points to spare. can't help you on this one
4. I was also interested in either the Citi Simplicity or Diamond Preferred for 0% BT. They seem so similar, is one easier to get than the other? Which one may possibily yield a larger CL? Does Citi move CL around as easily as Chase does? UW is the same for both. No, they do not move them around as easy as Chase. It's hit/miss
5. I thought about getting the US Bank Plat Visa for 0% BT and low APR as well. Eventually PC to Cash +. I hear they are conservative with CL as well, but my fiance recently apped and was originally approved for $5K CL, but recon'd to $15K, same HP.
6. I currently have the PRG and I'm looking to get rid of it for the Plat. I have an upgrade offer available when I sign online, but of course, no sign up bonus. I was going to cancel the PRG and app for the Plat. Do I have to wait 90 days? Yes but some have not gotten the sign up. With the Plat losing benefits, it's not that appealing to me.
7. Finally, I am currently at 18K on my Amex Blue Cash and is due soon for my 3x CLI. I'm not sure what amount I should ask for since I don't really want to submit tax documents but I also don't want to short change myself by asking for too little. I currently have 1 other TL at $18K and 2 other at $20K.
Additional info:
Just pulled all 3 report a few days ago. No Baddies, 14 year 4 month history, AAoA is 5 years, Utilization is 5% (it should be lower now), newest account is 7 months ago, (6 actually) and in the past year, I have 6 Inq on EX, 5 on EQ and 5 on TU. One will be falling off all three reports (Mortgage pull) in June.
Thanks everyone!
Thanks for the insight Lexie!
And I realized I should have been more clear and actually ask a question for #5 and #7 
#5 - Is US Bank consider a conservative lender?
#7 - After reading all of the Amex 3x CLI guides. Does everyone still agree with going for the 3x and let Amex counter? Or does 25K, 35K seems to be a sweet spot for many? (Without submitting additional docs)
Many thanks!
@vpae wrote:Thanks for the insight Lexie!
And I realized I should have been more clear and actually ask a question for #5 and #7
#5 - Is US Bank consider a conservative lender?
#7 - After reading all of the Amex 3x CLI guides. Does everyone still agree with going for the 3x and let Amex counter? Or does 25K, 35K seems to be a sweet spot for many? (Without submitting additional docs)
Many thanks!
Yes, US Bank is a conservative lender. It was recently suggested, to be free if new TLs for 6 mos.
Amex can ask for docs at at any figure. If you do not wish to comply, then your CL will remain the same.
@09Lexie wrote:Yes, US Bank is a conservative lender. It was recently suggested, to be free if new TLs for 6 mos.
In that case, would it be best to include them in an app spree so US Bank can't see other new accounts posted other than maybe the inqs? Or I suppose I could app them first so they don't see the new inqs at all. Or are they subject to SP me like Barclay would after the fact and take AA?
Speaking of Barclay and AA. If they will SP after 6 months anyway, it probably wouldn't matter if I apped them first or last right? From what I've gathered, if I have too many new accounts and they don't like what they see, they will CLD/Close it regardless?
@vpae wrote:Thanks for the insight Lexie!
And I realized I should have been more clear and actually ask a question for #5 and #7
#5 - Is US Bank consider a conservative lender?
Yes. Someone mentioned US Banks looks at inq for the past 24 months
#7 - After reading all of the Amex 3x CLI guides. Does everyone still agree with going for the 3x and let Amex counter? Or does 25K, 35K seems to be a sweet spot for many? (Without submitting additional docs)
I decided not to request the full 3x as there is absolutely no point in having over 25K on a card with my income...that is simply crazy enough like this..lol
As to the limit of Barclays: got 10K starting limit on my Arrival with 5 new accounts of total of 7 accounts..(and increase of 10x total CL). ..big surprise as I was expecting my first denial..so looking forward to May/June to a new app with Barclays and see how that goes.
Many thanks!
Edit: struggle with tablet to format..sorry