- Centurion Member
- Posts: 3962
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
Using 90% of an $8k CL is going to make any BT or CLI tricky, so you can try but don't expect too much from BofA or other lenders.
Your EX FICO is pretty good for someone with high utilization, but I guess that help is mostly due to the nine-year account age.
A Chase Slate, I agree, is probably the best BT card for which you'll possibly qualify for a while. I don't know how far you should pay down your debt before applying, though. It simply is easier to get than BT/Rewards 'combo' cards like Discover. Slate also has very attractive BT terms.
Definitely pay down the existing debt as quickly as you can, because every other solution we've given and you've asked about is far from guaranteed to work.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May