Should I close Sapphire before applying to 2 Chase SW cards?

[DaveInLA]

I want to apply for the Chase SWA personal and business cards soon. I currently have 4 Chase cards, the Ink (2 mo ago) and 3 personal cards ( all 2+ yrs). Of the 3 personal cards, I want to get rid of the Sapphire because I don't use it. I originally got the CSP 2.5 yrs ago and downgraded it to no-fee card a couple months ago. At this point, I'm worried that having too many Chase cards will make it hard to be approved for the 2 SWA cards, which is why I want to close one. My credit score is good (high 700s to low 800s) but I applied for 3 cards 2 months ago and recently got a home loan. Income is good too.

I see myself as having 2 options. I can close Sapphire today and then apply for SWA. However, I heard somewhere that the credit line from a closed card doesn't free up for a couple months after closure. If this is true, I don't think closing the card will help.

The 2nd option is to keep the sapphire and apply for the SWA cards. I'll prob have to call reconciliation line, and if need be, I can close sapphire then or move CL over.

What's the right move here?

[Marco Polo]

I want to apply for the Chase SWA personal and business cards soon. I currently have 4 Chase cards, the Ink (2 mo ago) and 3 personal cards ( all 2+ yrs). Of the 3 personal cards, I want to get rid of the Sapphire because I don't use it. I originally got the CSP 2.5 yrs ago and downgraded it to no-fee card a couple months ago. At this point, I'm worried that having too many Chase cards will make it hard to be approved for the 2 SWA cards, which is why I want to close one. My credit score is good (high 700s to low 800s) but I applied for 3 cards 2 months ago and recently got a home loan. Income is good too.

I see myself as having 2 options. I can close Sapphire today and then apply for SWA. However, I heard somewhere that the credit line from a closed card doesn't free up for a couple months after closure. If this is true, I don't think closing the card will help.

The 2nd option is to keep the sapphire and apply for the SWA cards. I'll prob have to call reconciliation line, and if need be, I can close sapphire then or move CL over.

What's the right move here?

That.

[DaveInLA]

Should I call to lower CL before I apply? It's $30k, which is the highest if all my cards.

[TimT]

Should I call to lower CL before I apply? It's $30k, which is the highest if all my cards.

Why lower it ? Why not move that over ?

[dpk4588]

Why lower it ? Why not move that over ?

+1
And even if you don't get approved because you have "too much available credit with chase" something I've been told, you can shift the CL you just moved off the Sapphire.

[LoLo]

With the business card they wouldn't always allow shifting credit, I was denied for ink+, and they wouldn't approve me even after offering to move credit, (Ex FICO was 747 at the time)

[TimT]

With the business card they wouldn't always allow shifting credit, I was denied for ink+, and they wouldn't approve me even after offering to move credit, (Ex FICO was 747 at the time)

There could be many reasons for that.

[LoLo]

There could be many reasons for that.

I know, just wanted to point out that shifting credit doesn't always work