Close and Apply or Apply and Close?
Planning to do an Apporama but have some questions before applying.
Will apply for a Chase card and Citi card which will replace a Ritz card and Citi Executive.
My questions is...
Been about a year since my last application and would like to get an instant approval if possible.
1. Should I close my the cards without moving my credit line and then apply for a better chance? - Chase
2. But for Citi, they said I'm eligible for credit increase without any hard inquiry so should I increase and close or just close it and expect a better chance of being approved for the new application.
I have 4 chase cards (3 personal, 1 business) and 5 citi personal cards.