FlyerTalk Forums - View Single Post - Close and Apply or Apply and Close?
View Single Post
Old Feb 28, 2016 | 12:49 am
  #1  
nowstime
10 Countries Visited
20 Countries Visited
30 Countries Visited
10 Years on Site
 
Join Date: Sep 2011
Posts: 238
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.
nowstime is offline