Credit Cards

[youngandcreditwrthy]

Did you have any recent derogs on your reports? Maybe try to cli other non gecrb accounts to help with util?!

[nicholasyud]

Call UW......your change 90% ...

[kobe2012]

i always get denied when I call the underwriter.... but for some odd reason last week, I called again for my walmart and chevron.... walmart increased from $900 ---> $2000 and chevron went from $700 ---->$1700... I opened both cards at the same time in May ... both auto increased last August.....walmart $500 -->$900 and chevron $400-->$700

.....  I only PIF once (my first statement)... and Ive kept 10%-25% balance since....

.... i have 3 charged offs ...1 from almost 5 yrs ago (unpaid) and 2 from 6+ yrs ago (1 unpaid, 1 paid) ....1 collection from 6+ yrs ago (unpaid)..incluing 11 inquiries in the past 2 yrs

[Ortz33__]

on tu, no collections and 1 old old charge off close to falling off.  a couple 60 day lates over 3 years ago... on equifax there are two collections, but they are small for less than $100.  i think my util is hurting me... 

[nicholasyud]

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kobe2012 wrote:

i always get denied when I call the underwriter.... but for some odd reason last week, I called again for my walmart and chevron.... walmart increased from $900 ---> $2000 and chevron went from $700 ---->$1700... I opened both cards at the same time in May ... both auto increased last August.....walmart $500 -->$900 and chevron $400-->$700

.....  I only PIF once (my first statement)... and Ive kept 10%-25% balance since....

.... i have 3 charged offs ...1 from almost 5 yrs ago (unpaid) and 2 from 6+ yrs ago (1 unpaid, 1 paid) ....1 collection from 6+ yrs ago (unpaid)..incluing 11 inquiries in the past 2 yrs

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Your credit file very similar to mine.....Did you ever hit close by 700 credit score ? what your AAOA ????

[aplast]

OP I have had GE accounts for a couple years now. from what I have seen personally on my accounts is that when util is high they wont budge. now if you call underwriters and talk to a decision maker (not a button pusher) you may have some luck. Last year my util was like above 50%. I have since paid off all my debt and only have 1000 balance on my sams discover right now... 2 weeks ago I got a total of almost 2k luv from GECRB. they like low util! keep us updated!

[kobe2012]

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nicholasyud wrote:

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kobe2012 wrote:

i always get denied when I call the underwriter.... but for some odd reason last week, I called again for my walmart and chevron.... walmart increased from $900 ---> $2000 and chevron went from $700 ---->$1700... I opened both cards at the same time in May ... both auto increased last August.....walmart $500 -->$900 and chevron $400-->$700

.....  I only PIF once (my first statement)... and Ive kept 10%-25% balance since....

.... i have 3 charged offs ...1 from almost 5 yrs ago (unpaid) and 2 from 6+ yrs ago (1 unpaid, 1 paid) ....1 collection from 6+ yrs ago (unpaid)..incluing 11 inquiries in the past 2 yrs

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Your credit file very similar to mine.....Did you ever hit close by 700 credit score ? what your AAOA ????

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Not that i know...if i pay down my util to ~10% maybe .... Im @25% right now.... My aaoa is 3 yrs

[masscredit]

I know less than 10% is preferred but, from experience, how are they when your hanging in the 15-25% range?   And also, total utilization or... % of utilization of their CL?

My Walmart limit is $600. I made some purchases last month so a balance of $533. was posted when the statement closed. I plan to have a $0. - $50. balance on that card when I contact them for an increase after my 4th statement closes in mid Dec.   And of my 8 credit lines, probably only two will have balances. Most likely in the 20-25% range. I'll be trying for increases on other accounts that I opened in Aug too. Those accounts will also be in the $0. to $50. range.