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This weekend will mark the one-year anniversary on my Gold Delta Amex, CL $5000. Never had an increase, and never requested one due to my overall utilization being off the charts this year. So once all my massive payments to Amex and other finish cycling through this week, and my utilization plunges, I was going to finally try for a CLI. Of course, no decision is that easy, right? Do I simply go for a CLI, or do I try to PC from Delta Gold to Delta Platinum? If I do decide to PC, will there automatically be a consideration of a new limit, or will I have to also ask for that? Basically, does it make sense to do a CLI request first, and THEN a PC, or the other way around, or to do both at the same time? I had a FR at the end of July. Assuming I am OK with a CLI or PC (which would tell me nothing about the FR scared them or pissed them off), I would like to add another Amex. With already having Delta, and with using Marriott as my exclusive hotel, none of the other airline/hotel cards would interest me. Any suggestions on what might be a good one to add? Finally, as noted, card anniversary is this weekend. If I am going for a new card, is there any difference between applying now or waiting until January 2015, or would either new card show 2013 and it would not matter? As always, thanks!
Hi All, As I sat down this evening to read my mail, I noticed an offer from Citi to apply for the Dividend Select which has a rotating 5% reward structure every quarter and 1% for everyday purchases. 0% for 18 mos then APR between 14.99 - 22.99% and No AF. According to recent Creditpulls data, the avg CL is $4500 and they favor EX which I have had on ice since 2008, therefore, no inqs are on the report (Well I probably have 1 now...buying a house). Assuming that my EX FICO is around 730 (all reports are similar regarding TLs), so I'm assuming my chances are good for approval. So, I was wondering if it is possible to PC to another Citi Card if I apply & approved? I will only apply after I close on new home...btw, invitation is good until 07/15/13. Thoughts? ETA: What would be some good alternatives to the Dividend Select?