@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:Oh hell just do both to FNBO and pay them off by your 12 mos and you'll be fine. It's only half your limit it looks like.
half bad too ? i thought you should never carry a balance above 35% of your limit or in some cases above 20% ? if i go over i usually pay it down before the statement cuts so it wont trigger my score as ''Utilization of revolving accounts(s) too high'' i like to know what is accounts with HIGH balances. You'll see it writen here which is odd because my ult is 7% so maybe ''Utilization of revolving accounts(s) too high'' just means one of my cards is above 30% ? even though my overall ultilization is below 7% ?
It's a BT. They'll understand.
I personally have a standing policy to not go much over 60% of my limit for the month before statement cut, and no more than 50% of limit going to a BT.
It's worked for the wife and I pretty decently.
are you talking about your FNBO ? were you able to still get a really good increase after 3 - 4 months even with a high balance at above 50% when you called ? and is it 3 or 4 months that people call to see if they are eligible ?
No FNBO here, but like I said... When reviewing you for a 4mo CLI, they'll see the BT. I recommend paying heavy the first 3mos to get it down as much as possible, then if you get the CLI, slow it down just a little.
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:Oh hell just do both to FNBO and pay them off by your 12 mos and you'll be fine. It's only half your limit it looks like.
half bad too ? i thought you should never carry a balance above 35% of your limit or in some cases above 20% ? if i go over i usually pay it down before the statement cuts so it wont trigger my score as ''Utilization of revolving accounts(s) too high'' i like to know what is accounts with HIGH balances. You'll see it writen here which is odd because my ult is 7% so maybe ''Utilization of revolving accounts(s) too high'' just means one of my cards is above 30% ? even though my overall ultilization is below 7% ?
It's a BT. They'll understand.
I personally have a standing policy to not go much over 60% of my limit for the month before statement cut, and no more than 50% of limit going to a BT.
It's worked for the wife and I pretty decently.
are you talking about your FNBO ? were you able to still get a really good increase after 3 - 4 months even with a high balance at above 50% when you called ? and is it 3 or 4 months that people call to see if they are eligible ?
No FNBO here, but like I said... When reviewing you for a 4mo CLI, they'll see the BT. I recommend paying heavy the first 3mos to get it down as much as possible, then if you get the CLI, slow it down just a little.
says i will only save $48
