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I've been trying to lower our debt since December and lurking here since February. To date, we have lowered our UTL from 60% to 41%. In the past few weeks, we went on an app spree, which will lower us to 25% UTL.
Amex CLI: 11,700 -> 23,400
Best Buy CLI: 3,600 -> 5,100
Hubby's apps:
Chase Slate $9000
Chase Freedom $7000
Citibank Simplicity $13,000
My apps:
Chase Slate $11,500
Discover $5,500
Chase Freedom - 7 - 10 day, but when I called this morning, I was asked to send ID and proof of address. I'm not sure if that'll be an approval or decline.
Before this app spree, our AAOA was 9.75 years. I'm hoping to still stay above 8 years, with all these new cards, but I'm not sure. Either way, with the new card 0% interest offers, we will be debt free in a year when we plan on refinancing.
Meanwhile, we'll be in the garden until then.
@techiegirl wrote:I've been trying to lower our debt since December and lurking here since February. To date, we have lowered our UTL from 60% to 41%. In the past few weeks, we went on an app spree, which will lower us to 25% UTL.
Amex CLI: 11,700 -> 23,400
Best Buy CLI: 3,600 -> 5,100
Hubby's apps:
Chase Slate $9000
Chase Freedom $7000
Citibank Simplicity $13,000
My apps:
Chase Slate $11,500
Discover $5,500
Chase Freedom - 7 - 10 day, but when I called this morning, I was asked to send ID and proof of address. I'm not sure if that'll be an approval or decline.
Before this app spree, our AAOA was 9.75 years. I'm hoping to still stay above 8 years, with all these new cards, but I'm not sure. Either way, with the new card 0% interest offers, we will be debt free in a year when we plan on refinancing.
Meanwhile, we'll be in the garden until then.
Welcome to the forum
Congrats on a great app spree
Nice approvals and cli's. The ID request to Chase is most likely an approval. I had to send the exact same thing when i got my Freedom. The card arrived 2 weeks later.Prior to that, i had no relationship with Chase, so it may be normal for the verification process. Now, you need to garden what you've newly obtained.
How much damage have I done to our FICO score with our app spree? From what I gathered, we have 3 hard pull's each.
@techiegirl wrote:How much damage have I done to our FICO score with our app spree? From what I gathered, we have 3 hard pull's each.
Shouldn't be to bad and since you will be gardening scores will recover in the next 4-6 months
@techiegirl wrote:
I finally received a reply on my Freedom card. It was approved for $15K CL.
Congrats again
Stellar outcome for 41% utilization! You set quite a precedent there. Congratulations!!!