OP
You’ve gotten some good advice/ideas.
Before I closed my 2 Chase cards, getting a CLI always reported a HP and on one occasion 2 HPs. It’s really not worth it for maybe a $500 increase.
IMHO wait until you’re 4/24.
|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K