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Need a credit card with a nice limit to help decrease consumption.

Regular Contributor

Need a credit card with a nice limit to help decrease consumption.

My util. is very high, around 90%. I need a Credit Card with no Annual Fee and a decent limit just to help bring down my util.

 

Where might I be able to get accepted? I would just use the card once every 6 months or so to keep it active then PIF. My TU FICO is 729, EQ 701, and EX 708. I have no baddies and no collections.

04/2009
TU:745
EQ:764

10/2008
TU: 708
EQ: 708
EX:707
Message 1 of 23
22 REPLIES
Established Contributor

Re: Need a credit card with a nice limit to help decrease consumption.

whats your highest limit now and what kind of limit are you looking for?
Message 2 of 23
Established Contributor

Re: Need a credit card with a nice limit to help decrease consumption.

I would apply with BOA and submit with your app your BT maybe they will not count that creditor in your DTI mix, and utilization mix. Citi also has some attractive rates and 0% bt for 12 months on some of their card products.
Message 3 of 23
Regular Contributor

Re: Need a credit card with a nice limit to help decrease consumption.

The Highest limit is my Chase Disney, $4500(5.99%). My other card is $4000(7.9%). I also have an overdraft line of $500(11.2%).
Message Edited by wcnghj on 11-13-2008 06:10 PM
04/2009
TU:745
EQ:764

10/2008
TU: 708
EQ: 708
EX:707
Message 4 of 23
Established Contributor

Re: Need a credit card with a nice limit to help decrease consumption.

My highest limit is with Citi $16k
Message 5 of 23
Established Contributor

Re: Need a credit card with a nice limit to help decrease consumption.

I also have another card with them at 12.1k
Message 6 of 23
Regular Contributor

Re: Need a credit card with a nice limit to help decrease consumption.

My income is 31k, I'd assume your's is higher?
04/2009
TU:745
EQ:764

10/2008
TU: 708
EQ: 708
EX:707
Message 7 of 23
Established Contributor

Re: Need a credit card with a nice limit to help decrease consumption.

I would apply with BOA... My income is around 57k my wife (we are joint on CCs) is 43k
Message 8 of 23
Established Contributor

Re: Need a credit card with a nice limit to help decrease consumption.

You have good scores and good TLs, Chase is good to have... See what BOA gives you if you dont like it, talk to recon, you can find the number in the backdoor numbers at the top of the page in the forum, and tell them you want to transfer a balance, I can almost guarantee they will give you a nice limit for some reason they love BTs.
Message 9 of 23
Valued Contributor

Re: Need a credit card with a nice limit to help decrease consumption.

Your score's are great, but you are probably going to have problems getting a high limit card with 90% UTL.

 

 

Message 10 of 23