06-28-2012 08:45 AM
One thing that hasn't been suggested is to consider moving some of the balance from citi to discover via balance transfer to sve on interest. IMHO, you should be paying down your cc as fast as possible which will likely raise your scores to the 700s and allow you to get any card you want. One option is to play with balances and see what your score is and maybe get a card to bt to. First move enough of balance of Citibank card so that it is <80% utilization. Once it reports, see what your score is. Call discover and se if they would increase cl and extend bt offer. If not, then call Citibank and see what they will do.
Agree this will be smart. Tell them what you want to use the additional CL for. They may work with you on getting you more limit and a BT offer.
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