So I will be closing on a refi of my house in a couple weeks...from 6% to 4% 
I am wanting to add a couple cards once I close escrow, and help lower my UTI.
So, my question is, what CC(s) should I get? Should I close the low CL cards, garden them or just ask for CLIs?
Currently my credit scores are 696, 692 & 696.
Cards/lines of credit:
GE Money - $4,200 bal - $6,500 CL
US Bank Visa - $2,800 bal (will be at a $1,300 bal in 3 days) - $3k CL
Fry's - $0 bal - $1,500 CL
Walmart - $0 bal - $900 CL
Kohls - $0 bal - $500 CL
HSBC MC - $0 bal - $400 CL
CorTrust MC - $0 bal - $350 CL
Cap 1 - $0 bal - $300 CL
TOTAL - $5,500 bal - $13,500 CL (in 3 days)
Chase freedom; discover more. I agree with dumping hsbc; cap1 and cortrust
FICO 8: 
Goal: Gardening!
Goal: Gardening!
Your util. Is too high for prime approvals. Get it down below 10%., I would go for discover.
Pay down your utilization.
*Then* figure out where you're at FICO wise. With your utilization you're not sub-700 at that point and you can get more realistic suggestions. As others have stated, you're in a pretty suboptimal position now. While you could get approvals on a Chase Freedom or Discover More or any other card in this strata, you're not going to get top notch approvals nor top notch cards, and you might be able to get both with a better report.
Edit: have to ask just to make sure, I'm assuming the scores you posted were from your re-fi mortgage application?
Correct, the scores came from the credit report pulled for the refi.
Thanks for the advice so far! My goal is to definitely have myself down to a 10% utilization by end of the year.
I could garden until then, BUT, I am getting anxious! Worked hard to get this close to 700 and can't wait to get over 725 by ASAP, with a goal of 750+ some time in 2013 
@Anonymous wrote:
Correct, the scores came from the credit report pulled for the refi.
Thanks for the advice so far! My goal is to definitely have myself down to a 10% utilization by end of the year. I could garden until them, BUT, I am getting anxious! Worked hades to get this close to 700 and can't wait to get over 725 by ASAP, with a goal of 750+ some time in 2013
Then just hang out. You're probably at a 725 by end of the year if you smack your utilization as planned.
There's something to be said for establishing tradelines as soon as possible (I'm one of the biggest proponents of that on this forum), but that advice doesn't apply to anyone who can put themselves into a better situation with comparitive ease, and I consider paying down credit card utilization to be one of those scenarios. This really isn't even putting lipstick on the pig, you're outright solid prime most likely with that utilization paid down, and it's entirely possible you wouldn't have to "settle" for a Freedom or a More card at all: they're good cards, don't get me wrong, but they're not top-end, and you might have a shot at the higher level ones in six months.
That's absolutely worth waiting for, especially as worst case you'll get a better approval on the Freedom certainly and Chase is sometimes awkward about doing anything with that product even if you're not outright qualified for a CS/P at that point, which really is a top tier credit product.