Credit Cards

[gettnthere]

@cutemarty1, do u know if your EX score has gone up? Whats your balance on the card and your overall utilization?

[cutemarty1]

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gettnthere wrote:
@cutemarty1, do u know if your EX score has gone up? Whats your balance on the card and your overall utilization?

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I think it's hovering now at 684.

Over-all util - 5%.   AMEX Hilton Util - 25%.

[gettnthere]

Oh, dang I hate to say it but Considering that your score has gone down instead of up since u last called them its very likely they will deny u again. But maybe I'm wrong and someone else can chime in and correctly me. Do u know why your score has dropped 16 points in the last couple months?

[cutemarty1]

i recently applied and got mortgage approved. i just signed my life away.

[cutemarty1]

guys, 

its been 60+ days, is it time to do a CLI request #3? first two were shot down. stuck at 2k. Current utilization 850ish/2000.   I just this card as an autopay for my att bills. 400 payment would kick in on Oct 19 since that's the only amount due.

Any tips?

[FrugalRican]

I'd wait til the balance was 0 and then ask for it.

You might get denied again though. You have recent inquiries and within the year, your score went down.

Do you have any idea what it might be at right now?