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FICO® Forums >
FICO Scoring and Other Credit Issues >
General Credit Issues >
High Utilization
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Re: High Utilization
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 Tuscani
Moderator
Posts: 6450
Registered: 03-29-2007
Message 7 of 27
Viewed 7,949 times
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You should be able to get any or all of the following:
Amex Delta (EX pull)
Amex Hilton or Starwood (EX pull)
Citi Premier Pass (EQ pull)
BofA Hawaiian Air Plat (EX pull)
Good luck!
--------
CREDIT SCORING 101 - FREQ REQ THREADS - GW - PFD - RECONN
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06-20-2007 10:31 AM
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Re: High Utilization
[ Edited ]
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ilovepizza
Super Contributor
Posts: 3050
Registered: 05-17-2007
Message 8 of 27
Viewed 7,925 times
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Tuscani wrote:You should be able to get any or all of the following: Amex Delta (EX pull) Amex Hilton or Starwood (EX pull) Citi Premier Pass (EQ pull) BofA Hawaiian Air Plat (EX pull) Good luck!
In my opinion, I would try Amex first and Citibank "last". I have always had problems with Citi with anything over 50% UTL. Your stated income will be a large factor. Income to credit limit and debt is considered too which can work out to your advantage sometimes.
Message Edited by ilovepizza on 06-20-2007 11:12 AM
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06-20-2007 11:10 AM
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Re: High Utilization
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renov8r
Contributor
Posts: 31
Registered: 05-03-2007
Message 9 of 27
Viewed 7,911 times
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My current ficos are: TransUnion 705 Equifax 715Experian 685 Do you think Amex is wise? Amex Blue shot me down based on an Experian pull.. Also - my HELOC which is maxed out at $65K shows as revolving debt - same as a credit card? I have no other real estate loans since my wife carries the 1st mortgage on our home. |
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06-20-2007 11:50 AM
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Re: High Utilization
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MidnightVoice
Super Contributor
Posts: 7572
Registered: 03-25-2007
Message 10 of 27
Viewed 7,902 times
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With 80% util, $83,000 of debt, a mortgage and an average credit score of <700, are you sure you need another card?
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
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06-20-2007 11:57 AM
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