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If it was me, I'd pay the card in full and then immediately close the card.
It will report in good standing for 10 years, so no immediate impact on your AAOA.
If after all this time they can't give you a simple increase, they obviously don't care much about your business.
@TheOptimusMan wrote:If it was me, I'd pay the card in full and then immediately close the card.
It will report in good standing for 10 years, so no immediate impact on your AAOA.
If after all this time they can't give you a simple increase, they obviously don't care much about your business.
+1 close it because they don't care about you! Are you can SD it and don't use it
@TheOptimusMan wrote:If it was me, I'd pay the card in full and then immediately close the card.
And with a $300 CL, that is probably not going to be too much of a stretch!
They seem to want you to have more credit cards and that is what I would do get more credit cards with OTHER banks and CLOSE them!
perhaps a Chase and American Express would be a good addition to your portfolio.
@SomeGuyOnTheWeb wrote:
Those are the credit limits I have on my three cards. The first is from Discover, the second is Cap1 and the last is from Fifth Third.
I recently tried to raise the credit limit on my Fifth Third account only to be denied because of "insufficient satisfactory credit obligations" (no idea what this means) and "too many inquiries last 12 months" (there are, with this inquiry, a grand total of THREE inquires on my Equifax report). I'll be honest; I'm a bit miffed. 10 years and I can't even get a CLI???
It's like they don't want me to use the card at all.
To me, this is the same as Experian's blurb of "too few accounts currently paid as agreed", which basically means a thin file. I'm in agreement that you should probably open another card or two and close them. That's just obnoxious.
If your reports are app ready, I'd go for a couple of good cards and tell them to shove their $300.
EDITED: spelling
@SomeGuyOnTheWeb wrote:
Those are the credit limits I have on my three cards. The first is from Discover, the second is Cap1 and the last is from Fifth Third.
I recently tried to raise the credit limit on my Fifth Third account only to be denied because of "insufficient satisfactory credit obligations" (no idea what this means) and "too many inquiries last 12 months" (there are, with this inquiry, a grand total of THREE inquires on my Equifax report). I'll be honest; I'm a bit miffed. 10 years and I can't even get a CLI???
It's like they don't want me to use the card at all.
I'd say you've outgrown Fifth Third. Close and move on.
One more vote to CLOSE Fifth Third! It won't even affect your utilization! LOL!