Need advice on CSP/Freedeom/Amex Plat/PayPal - RE: CL/Inquiries

[zeusta20]

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@vpae wrote:

Oh and which CBA does Chase and Amex pull? I'm in northern Cal. Is it typically Ex? 

And how does one go about explaining when reconing if the lender ask why I Apped for so many cards in such a short period of time? 

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Which part of Nor Cal? I'm from Nor Cal too! lol. Cool to see other people around the same area...lol.

[vpae]

I'm from the bay area! 

So I should be ok with 6 INQ on EXP/TU and 4on EQ if I were to app for all 4 cards and maybe the GE TL?

Depending on the CL I get from the Freedom, I may not need the GE TL. What are my chances of GE still approving me after Apping for the CSP/Freedom/Amex Plat and a GE PayPal?

Best response to a recon when apping so many cards in a short amount of time? Travel? Big Purchases? I know they say don't mention the sign up bonus.

[vpae]

Bump and also, does anyone think my individual utilization on a few cards are too high to app? Even though my overall utilization is less than 10%?

Credit Card Credit Limit Balance Utilization
BofA Cash $3,100.00 $769.80 24.83%
Best Buy crd $7,900.00 $2,277.00 28.82%