I have been comparing this card and the Citi Hilton and it appears overall this card is better aside from the initial opening bonus. I am sitting at a 687 EX. Several inquiries and recently opened accounts. I am patiently waiting for $ 8,000 I just paid off to report and that will bring me to 8% utilization. ONE card will still be reporting at 40% however. The rest basically at 0. Do I have a chance with the recent accounts and then that one card reporting at 40%?