Originally Posted by
wco81
Now how long to wait to do the Personal App and can I lower the CL in advance?
You should be able to apply for the personal card anytime.
When I get a new card I immediately activate, request additional miles, then lower credit limit to $5K or so. After I meet spend, I lower to $2000 as soon as the balance is lower than that and then close it after that and once the miles post.