Thanks for the replies.
@ Borimer I can apply, but b/c I have 2 neg accounts falling off soon (HOnda REPO settlement falls off Nov 2014, and student loan payment in full falls off June 2015). So people were saying the neg accounts are holding my scores back & that I should wait on applying, becaue if I don't wait, then maybe I will just get toy limits. Also hopefully some of my inquiries will fall off. I agree the Chase offer does look legit.
@ CreditDunce So regarding the auto loan refi, let me mention a couple things. I get my annual bonus of around $4.5k (after taxes) that I was planning on dumping the entire check as a principal payment to my auto loan. That would drop the current balance down from $12.9k down to $8.4k. I really could pay this off quickly by paying my regular $504.00 monthly pmt + an extra $1000.00 a month towards the principal. I can do this b/c this is my only remaining account (besides $1.1k that I am about to pay to avoid a new judgment for my last student loan). Basically I have 2 remaining total debts, this one charged off student loan that isn't even on my CRs for $1.1k, and then the car loan. I've been paying around $1000 a month towards old student loans that are now paid in full. So if I just pay the $1000.00 monthly extra plus the $4.5k bonus after tax, I think I can pay off the car really fast. So I think b/c of my unique situation to enable me to do this, that I shouldn't do the auto-refi b/c it would be a HP and a new account and lower my AAoA.
My C1 was just PC'd last night. I get the new Quicksilver in the mail in 7-10 days etc. So I'm hoping that they will also grant my CLI. Because my CL is $500 toy limit & it lowers my score not having a $2000 CL. Hopefully they will do the CLI. So I'm thinking I should keep gardening (last inquiry April2014) & wait maybe a full year almost until the last student loan falls off June 2015. I can try asking them to do a GW (US Dept of Education). I asked once on the phone but they said no. But I can keep trying that. My score should be close to or at 700ish by then I think, so I can try to go for prime cards.
Also, I just wanted to mention that my status with the local CU is burned if you will. I had a charged off credit card with them & even though it was settled at 60% back in 2010, every time I call they say oh my you have a collection account, etc. So that may be a poisoned well. Also I want to mention that I have been using BoA as my direct deposit and debit card to pay for everything since 2010. But I did have a checking account with them get charged off in 2008, but I did pay it in full (no settlement) in 2010 & they welcomed me back with a checking account / savings account in 2010. I did a $1000.00 cash down secure credit card with them in 2010 & kept it for 12 months, but when they refused to do any graduation, not even 50/50 or anything, I closed it in 2011 out of anger. But I still have my checking account with them. I would like a credit card with them b/c I like being able to drive 5 miles to the local BoA and dispute my credit card bill in person. To me that has a nice appeal to it. Also if/when I get a home loan, I would like to get it from them for the same reason. Is that local walk-in for disputes overrated? I could have a solid relationship with them locally (I'm a nice guy) & also I work at a prestigious local company which may give me some VIP status if you will with them.
