- Gold Member
- Posts: 43
- Joined: Mon Apr 09, 2012 10:53 pm
- Location: Utah
I am about to close and settle on a house in a week. During the mortgage process the last month, I was required to close my Freedom card. While I was closing it, I asked the rep if I could reopen the same account later on. She said I could within 30 days and depending on past history and a possible credit check it could be reopened.
I want to reopen this account, apply for the Amex BCE and possibly the Sallie Mae Mastercard all before the mortgage reports on my credit.
Do you think this is a smart and realistic move? My FICO is about 725 from Discover, no negatives on my report and about 5% total util. with the highest being 16% on a single account.
Capital One Platinum $500 (2/2010) CLOSED (1/2013)
Wells Fargo College Cash Back $1.2K (8/2011) CLOSED 3/2015
Chase Freedom (Signature) $10K (4/2012)
AmEx Zync NPSL (4/2012)
Samuels Financing $2.9K CLOSED 4/2015
Discover IT $3.95K (7/2012)
Chase Marriott Premier (Signature) $5K (9/2012)
Chase Slate $2.5K (12/2012)
Citi Simplicity $4K (3/2013)
AmEX BCE $9.5K (5/2014)
Chase Amazon $4.5K (5/2014)
Barclaycard Apple Financing $2K (6/2014)
Capital One VentureOne (Signature) $5K (1/2015)
TU (Discover): 760