I'm not sure if there's a right or wrong answer to this, but I'm curious. For churners and serial credit card applicants, do you think you have a better chance for approval by waiting for the application-declined letter, then requesting to move credit lines or close other accounts from that cc issuer, or is it better to proactively call to check the application status and ask to speak to a credit analyst if denied?

I almost always wait for the application-denied letter (or approval), then call to move credit lines or cancel open cc account I'm not using from that cc issuer to horse trade for approval. And this works about nine times out of 10 for me and my wife.

But is the other way better?