Capital One CLI Recon No More?

[Anonymous]

Well, like I often read on myFICO forums, "YMMV". Everyone's needs and experiences are different. It's short-sighted for someone to project their circumstances on others and pass judgment.

[Anonymous]

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@Anonymous wrote:
well they do them every 6 months after your sixth month and asking big daddy for something so trivial is why the phone number is gone and i wouldn't be surprised if the email goes away soon. reconsidering is one thing but asking the EO... lol. come on...

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@Anonymous @ Big Daddy. I am due for my 6 mo increase later this month but if I dont get it. Oh well! I have more credit than I would have ever imagined. 

[Anonymous]

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@Anonymous wrote:

Nope. 22%

I use it regularly. I don't always PIF, though.

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May want to lower your UTI and PIF or make multiple payments until you can pay in full before the statment cut. I told my bf what to do (use card instead of his debit and make mutlitple payments until PIF each month). He went from $750 to $2500 post credit steps. Good luck!!!!!!

[barbaralee]

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@Anonymous wrote:

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@Anonymous wrote:

Nope. 22%

I use it regularly. I don't always PIF, though.

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May want to lower your UTI and PIF or make multiple payments until you can pay in full before the statment cut. I told my bf what to do (use card instead of his debit and make mutlitple payments until PIF each month). He went from $750 to $2500 post credit steps. Good luck!!!!!!

I agree... 22% is pushing high to me. I would consider low anything below 10%, 1-5% seems ideal to me.