Hey all! Over the last couple of years, my scores have really improved. 12 months ago I hit 620-650 across all three as was able to refi my 12% mort to 5.8%!!! Now my PG scores are 687EQ/692TU. PG won't pull EX for me, but it's cleaner than the other two so it's probably > 700. Right now I have the following cards: Cap1 Plat $700 (ha) Cap1 MC $3500 HH/GM $1500 HH/Corvette Gold $2500 HH/UP Gold $4000. I make around $80k & my reports do have some derogs, but I think the scores should be getting me into prime territory. I'm looking for a high limit (10-15k) rewards card with no fees from a company that doesn't usually jack rates or reduce limits for reasons other than my payment performance with them. Any tips on which would be the best co. to apply with? Chase, Citi, something else? Thanks for everything!!!
