Hey Guys, just signed up tonight...Seems like you guys really know how to work the point programs....

ANyways, I just paid off a bank of america credit line, my BOA credit card, and my optima AMEX... I want to keep my OPTIMA and my credit line is actually a cash reserve in case I go overlimit on my checking.....However, i went into pentalty phase on my BOA platinum plus credit card (33% APR for 6 months, but like i said I paid it off) so my question is....

Should I cancel my account then reapply? not sure what my FICO score is but I am going to check it, if I have over a 700 and my income is over 100k will i be able to qualify for a BOA worldpoints signature visa or do you think they will use my previous BOA Platinum Plus history that they have in house against me? I mean, i dont mind applying for a Chase signature card, its just that I have all my checking/business accounts with BOA...let me know what you guys think. I figure if anyone knows the answer it will be you guys.