FNBO SP CLI? (help)

[12njoy]

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@Anonymous wrote:

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@12njoy wrote:

I see it.  You said its low and you're using only 3 cards.  Maybe you're not using enough of the available credit that you have?  I'm taking a stab at it here. 

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Uhh credit limit is $4.4k. I have been using 1-2k on the card monthly. Should I be using it even more? 

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I was thinking more across a couple more different cards, not neccessarily FNBO cards. Just a thought

[Anonymous]

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@12njoy wrote:

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@Anonymous wrote:

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@12njoy wrote:

I see it.  You said its low and you're using only 3 cards.  Maybe you're not using enough of the available credit that you have?  I'm taking a stab at it here. 

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Uhh credit limit is $4.4k. I have been using 1-2k on the card monthly. Should I be using it even more? 

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I was thinking more across a couple more different cards, not neccessarily FNBO cards. Just a thought

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Wouldn't that raise my overall util though? Thanks.

[12njoy]

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@Anonymous wrote:

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@12njoy wrote:

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@Anonymous wrote:

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@12njoy wrote:

I see it.  You said its low and you're using only 3 cards.  Maybe you're not using enough of the available credit that you have?  I'm taking a stab at it here. 

---

Uhh credit limit is $4.4k. I have been using 1-2k on the card monthly. Should I be using it even more? 

---

I was thinking more across a couple more different cards, not neccessarily FNBO cards. Just a thought

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Wouldn't that raise my overall util though? Thanks.

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It would but if you're at 2% now,  you have plenty of cushion.  I'm not saying drastically increase it.   Some lenders are nervous about extending credit when very little available credit is being used.  I'm not saying this is the answer, just a suggestion 

[Anonymous]

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@12njoy wrote:

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@Anonymous wrote:

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@12njoy wrote:

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@Anonymous wrote:

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@12njoy wrote:

I see it.  You said its low and you're using only 3 cards.  Maybe you're not using enough of the available credit that you have?  I'm taking a stab at it here. 

---

Uhh credit limit is $4.4k. I have been using 1-2k on the card monthly. Should I be using it even more? 

---

I was thinking more across a couple more different cards, not neccessarily FNBO cards. Just a thought

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Wouldn't that raise my overall util though? Thanks.

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It would but if you're at 2% now,  you have plenty of cushion.  I'm not saying drastically increase it.   Some lenders are nervous about extending credit when very little available credit is being used.  I'm not saying this is the answer, just a suggestion 

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Right I know what you mean....that's a problem. Thanks for your suggestion.

[Themanwhocan]

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@Anonymous wrote:

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@12njoy wrote:

I see it.  You said its low and you're using only 3 cards.  Maybe you're not using enough of the available credit that you have?  I'm taking a stab at it here. 

---

Uhh credit limit is $4.4k. I have been using 1-2k on the card monthly. Should I be using it even more? 

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Other than April 2015 when I spend $916, and May 2015 when I spent an additional $508 and paid off both balances that month, my spending has not exceeded $500 a month, and most months especially recently I dont use the card at all. The occasional $50 - $100 month sprinkled between $0 months. perhaps one $200 month in there. In other words, I started out 2015 using it from several hundred up to $500 a month, with the two large months I stated as exceptions, and very little spending since. 

I don't think spending is your problem. They probably just need to see more time. I believe you said you are a student, and they may well know that as well, or be able to imply it from your credit reports.

[Anonymous]

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@Themanwhocan wrote:

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@Anonymous wrote:

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@12njoy wrote:

I see it.  You said its low and you're using only 3 cards.  Maybe you're not using enough of the available credit that you have?  I'm taking a stab at it here. 

---

Uhh credit limit is $4.4k. I have been using 1-2k on the card monthly. Should I be using it even more? 

---

Other than April 2015 when I spend $916, and May 2015 when I spent an additional $508 and paid off both balances that month, my spending has not exceeded $500 a month, and most months especially recently I dont use the card at all. The occasional $50 - $100 month sprinkled between $0 months. perhaps one $200 month in there. In other words, I started out 2015 using it from several hundred up to $500 a month, with the two large months I stated as exceptions, and very little spending since. 

I don't think spending is your problem. They probably just need to see more time. I believe you said you are a student, and they may well know that as well, or be able to imply it from your credit reports.

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Great, that's what I intuitioned too when I didn't get any sp. Thanks for the info!