- Centurion Member
- Posts: 538
- Joined: Fri Mar 09, 2012 9:29 am
- Location: San Francisco, CA
Well I would keep BofA open and get enough cards to have at least 3 revolving credit lines help your FICO the most. In the case of credit goals, you want to get in with CLI friendly card issuers to get your CLs up. My recommendation is to get in with AMEX as they have one of the best CLI policies as 3X via soft pull every 6 months (61 days for 1st card). For example, you get approved for 1k amex CC. In 61 days, you can ask for 3k. In 6 months after 61 days, you can ask for 9k. So your initial 1k card could easily move to 9k in less than year. Also, GEMB has soft based CLIs every 4 months but the gain in CL isn't as dramatic as AMEX. But in both cases, all these CLI requests, whether successful or not, have no negative impact on credit.
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k