Credit Cards

[ChiTownTimmay]

Here's the breakdown of my account.  Opened 10/05 with a 2k CL, called a month or two later and had it bumped to 4k.  May of this year they increased to 8k for me, without my request.  Then in July they up'd it again to 12k, again not per my request.  I want to CLI to get at least to 20k, just to make it look good.  I'm wondering if I should do it or wait, since it's been less than 6 months since my last CLI (even though it's been well over a year since i've initiated the CLI.)  What does everyone think?

TIA.

[rezultsbydebi]

what is your credit score????

[haulingthescoreup]

Your FICO EX score, if nothing else, but it needs to FICO...

[ChiTownTimmay]

The last time I bought my Fico's were mid Sept but as of then they were:

TU: 668

EQ:  710

EX:  680

[fused]

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ChiTownTimmay wrote:

The last time I bought my Fico's were mid Sept but as of then they were:

TU: 668

EQ:  710

EX:  680

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What is your current util% on this Amex card as well as all of your other revolving accounts? Also, how good is your payment history on all CCs. These factors count just as much as scores.

[ChiTownTimmay]

All of my CC's are between 1-15% util right now, i only have about a $200 bal on my AMEX currently.  I try to PIF as much as possible but I'm always sending in a lot more than the min.  I haven't made a late payment on any credit line in over 6 years.  Thanks.

[Creditaddict]

go online and request it through website... it shoots back instant... i bet you get it!

let us know

[fused]

ChiTownTimmay wrote:

All of my CC's are between 1-15% util right now, i only have about a $200 bal on my AMEX currently.  I try to PIF as much as possible but I'm always sending in a lot more than the min.  I haven't made a late payment on any credit line in over 6 years.  Thanks.

I say go for the gusto!

[ChiTownTimmay]

What should I ask them to increase it to?  I'm at 12K right now, with a HHI this year at 140k.

Thanks.

[Creditaddict]

$20 or even 25k like you want