If not use havy will lender reduce the limit on the card?

[Anonymous]

 lets say i dont use havy my Citi credit card will lender reduce the limit on the card, considering that i dont carry a balance and i pay before the statement cuts

  Thanks for any inputs

[Open123]

Ah, I'd imagine this would depend on what's happening on your utility with other cards, inquiries, new accounts, and other factors such as overall debt and recent negatives/derogs.

But, I've yet to see where a CL was lowered just because a person didn't use the card.  Now, I have seen people call for recon, then have CLs lowered after the process of manual review.

[Anonymous]

2 % utl

2 new accounts 20k each

No negatives,no lates none of that

6 new inq from the same lender/Citi

[Open123]

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@Anonymous wrote:

2 % utl

2 new accounts 20k each

No negatives,no lates none of that

6 new inq from the same lender/Citi

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No, theres no AA for this, unless you call them and say, "Hey, my CL is so high!  This is awesome for my utili, since I will never use this card again!"

[Anonymous]

As always Open you got some really wise advise. You seem to be well educated on the credit area

  Thank you

[Cleanmachine]

It's not always a good idea to continously show a -0- balance on your credit cards.

I would suggest that you at least allow one card to report a balance, pay off prior to due date and rotate the other cards

in a similar manner.

[Anonymous]

Thats what i was gonna do and it makes perfect sense. That way the lenders are still see activity. Great advice thanks

[Dustink]

heavy

[Open123]

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@Cleanmachine wrote:

It's not always a good idea to continously show a -0- balance on your credit cards.

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I subscribe to this adage too.

I sense some lenders now don't like the "paying before your balance reports" thing.