Reply
Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
0

Re: No Travelocity Amex CLI..need advice

well, my overall util is still JUST 12% lol..it's not like any other card is even near being maxed out. In fact, I don't use like 2/3rds of the cards I even have except to keep them active by making a small charge every six months. and as I previously stated, I've been making larger payments to get it pif. I'm just going to wait until the promo period ends as crediaddict suggested. I know they do a SP and heavily weight your current credit history as well as history with them as a creditor. Furthermore, I've rec'd increases on many cards when they were near the limit (i.e. Walmart ). I'm not opening any more accounts for a while ("gardening" I am) LOL, and I'm def. working on getting my over util under 10% and to get that Barclay's down to at least 50% haha. Credit is a work in progress :-)

 

Thanks again :-)

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
Posts: 414
Registered: ‎09-08-2010
0

Re: No Travelocity Amex CLI..need advice

I used the luv button on the site.  I wouldn't try it until you pay it down a bunch like  another poster suggested.  My overall util on all my cards is usually 1% or less (yes i'm that anal about balances).   Yes credit is ALWAYS a work in progress... and work is akey word there. 

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
0

Re: No Travelocity Amex CLI..need advice

ooooo look at you!!! lol.... I don't mind revolving a balance as long as it's 0% and I'm getting rewards haha!

 

I'm soooooo tempted nonetheless to use the luv button! It's always just there waiting for me! lol I'll just make myself wait though. I'm def satisfied with my current creditstanding :-)

 

Thanks again :-)

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
Posts: 414
Registered: ‎09-08-2010
0

Re: No Travelocity Amex CLI..need advice

When it comes to my credit, i'm still the girl who lost weight but still see the fat chick in the mirror :smileyhappy:  Its a case of I messed up SO badly before with my cards I NEVER want to go there again....(and yes, I leave that little balance on my BCE while the interest rate is still 0%)

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
0

Re: No Travelocity Amex CLI..need advice

LOLL!!! That is a funny comparison !!!!

 

The reason I am so anal about my credit is that I saw how my mom (even with stellar income) got refused credit all the time because she just simply did not care or remember to pay the bills...

 

I guess observational learning is a good way to get it tooo :-)

 

UGH that BCE is SUCH a pretty card!!! I just have the Travelocity Amex (no an Amex bank nacked card), which is what this discussion is about LOL

 

:-) Thanks again for the advice! You seem pretty nice!! :-)

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.