Which CC is this? CL? Balance? And how much cash do you have on hand to pay down the balance? Do you have any other CCs? If so, which ones and also what are their CLs, Balances and APRs? 631 average score, are these FICOs?
DREAMBIG1234 wrote:OK I NEED SOME HELP...I AM WORKING TO GET MY CREDIT BACK UP AND RUNNING...RIGHT NOW I HAVE A 631 AVERAGE...ANYWAY AFTER WORKING ON IT FOR A FEW MONTHS ONE OF MY CC COMPANY DECIDES WITHOUT NOTICE TO LOWER MY CREDIT LIMIT....NOW NORMALLY I WOULD NOT MIND THIS BUT NOW UNERSTANDING THAT HAVING A HIGH BALANCE COMPARED TO CL IS A BAD THING THIS HURTS ME...I JUST STARTED TO LOWER MY OVERALL BALANCE TO UNDER 60% BUT THE CHANGE IN CREDIT LIMIT PUTS ME OVER 80% AGAIN...REALLY MAKES ME MAD...CAN I DO ANYTHING OR DO THE CC COMPANY HAVE THE RIGHT TO DO THIS???I JUST HATE THE FACT I WAS MAKING PROGRESS AND EVEN THOUGH 60% DOESNT SEEM GREAT TO OTHERS HAVING A 90%+ PLUS AVERAGE FOR SO LONG AND FINALLY MAKING A GOAL AND HAVING IT TAKEN AWAY STINKS...ANY HELP WOULD BE GREAT THANKS!!!
Which credit card company is this? American Express, Chase, Citi, ???
DREAMBIG1234 wrote:Yes the score is FICO and the card is a mastercard...I just want to know if I call and ask them to return my limit back to the original will they run my credit score thus dropping me points again...Thanks