Reply
Valued Member
jon17brown
Posts: 78
Registered: ‎04-01-2012
0

CLI advice

Quick question. Is it better to ask for a CLI with low utilization or high utilization on that particular card?
Regular Contributor
patsfan1453
Posts: 202
Registered: ‎11-04-2012
0

Re: CLI advice

It seems as though people get clis on cards with all kinds of util, but the general consensus seems to be the most effective way to get a larger increase is to make heavy use of the card and pay in full every month.

Amex Everyday 6k || Chase Sapphire 5k || Buypower Card 5k || USAA Wounded Warrior Mastercard 4k || Citi TYP 4.9k|| Citi Forward 5.5k || Discover It 2k || Chase Freedom 5.5k || Walmart 1k || Chase Amazon 1k
Business: Chase ink cash 5k || AMEX Simply Cash 3.8k
Total CLs: 48.7k
Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: CLI advice


jon17brown wrote:
Quick question. Is it better to ask for a CLI with low utilization or high utilization on that particular card?

Low Utili of course play 9% rules then your change get approved should be higher.

I see many ppl get denied with high Utili higher like 30% to 70%

  • Charge everything on that card
  • Dont get them closed to 60 %
  • Paid them and leave small balance 5 to 7 days before you ask for CLI.
  • Good Luck.

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}