I got both personal and business cards in August 2015. I was suppose to have cancelled them by now but in Nov 17 I helped my parents buy a fixer upper and up to this point needed the cards for repairs. So now I'm months behind on my second 2 year CP plan.

My cards balances are now 0 after carrying something for the last 6 months. However due to this house my credit took a ..... Went from 760 in July 2017 to 640~ now. Probably 680-690 when I originally applied.

I also have the chase reserve and ink cards that I use all the time for business and personal.

Four questions. How far apart from cancelling to reapplying should I wait?

Due to my credit is it possible I will be declined when reapplying? Even though I spend 10-15 thousand a month on the other chase cards

What's the promotions like right now? Anything to look out for?

I can cancel and retain my SW pts correct?

Thank you