Posts: 20
Registered: ‎07-13-2007


Whats wrong with PIF? They wont even increase my cl. Does it matter in the long run???
Moderator Emeritus
Posts: 16,373
Registered: ‎03-12-2007


Jman wrote:
Whats wrong with PIF? They wont even increase my cl. Does it matter in the long run???

There's nothing wrong with PIF, heck you save money! A lot of people at this forum are fighting for every FICO point gain possible and one way to do this is to have your revolving accounts reporting
1-9% utilization of of their CLs.
Which CCC are your trying a CLI with?
Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

Established Contributor
Posts: 739
Registered: ‎06-30-2007


your a PIF deadbeat, good for you , bad for them, they like people who pay interest and run up a balance, issues CLI so they can run up more, or some company's lets go over your limit and issue you a new card to run up.
People say "Only apply for credit you NEED"

I say "apply for credit you have PRATICAL use of"

I don't have AMEX card because I don't want a card that suffers from PMS

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