capital one cli!

[revvystoke]

DW got an email a few weeks ago to look out for in increase with credit steps. Her score is in the mid to low 600's due to a 6 year old collection from school ($~250) She is AU on my freedom and united cards. She was approved @ $300 4 months ago unsecured, she checked her account today and they bumped it up to $3500 auto with credit steps. She liked that card since it was her first, but was considering asking them to lower it to $1k, she mainly uses it for car rentals and hotels. They must be getting more lenient, or at least loosening criteria for credit increases.

[Gatortrout]

Why lower CL?

[alvon123]

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@Gatortrout wrote:
Why lower CL?

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+1 This will hurt util.

[coldnmn]

Congrats to DW! Cap1 is almost impossible to get that kind of limit in credit steps she should set herself a limit and keep it for utilization.  Thanks for sharing.