Originally Posted by
nowstime
Been about a year since my last application and would like to get an instant approval if possible.
Why are you so afraid of a single phone call?
Originally Posted by
nowstime
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.
It is entirely up to you.
Keeping the accounts and CLs does not mean issuers will deny your apps. Closing the account and forfeiting the CLs does not mean issuers will approve your apps.
So what you have asked is pretty much irrelevant.