Recently paid off all CCs and installment loans. DH and I have a mortgage, 2 car loans, 1 installment (credit union) and 2 CC with balances, CU Master Card and Amex . The MC has 40 percent UT ( could pay it down to 10 percent by December). We pay Amex PIF each month. We each have over 25 year credit history. Scores for me are all mid 700s, his are 630 to 650 (had one med collection, just PIF today). All cards have not reported yet...should be updated by mid month. We want at least 2 more cards with high CL, which cards do you think we should app for. Also, I applied to NFCU and was granted membership. My income will be over 90,000 and his will be a little over that. We want cards with low APRs.