Credit Card Center Advertiser Disclosure

Regular Contributor
Posts: 121
Registered: ‎06-26-2011
0 Kudos

Requesting CLI's: Utilization Requirement

I'm pretty sure ths may have been asked numerous times before but wasn't having any luck searching for an answer.


Next month will mark my third statements being cut and, of course, I'm wanting to CLI some of my cards. However, I'm not sure which would be best qualified for CLI's. With that being said, below is my current utilization for each card and which cards I have. Any feedback would be appreciated as to which to request a CLI for, which to hold out for another month, and, what utilization I should get each card down to before requesting a CLI.


Thank you all in advance MyFico. I couldn't have done this without all of you. It's amazing to see someone such as myself one year ago who had a credit score of 598 now have a credit score of 723 (per TU08 Wal-Mart AND DiscoverIT MyFico.)


DiscoverIT: 23.8%

Citi Simplicity: 25.7%

Wal-Mart Store Card: 40%

Amazon Store Card: 5.6%

WF College Credit: 21%

Chase Freedom: 44%


Obviously, some are above the threshold of 30% (Chase and Wal-Mart) which are my two cards focused to getting paid down. BUT, is there a necessary util. rate to be below for a successful CLI on each card?

My Wallet: WF College Card ($1.7k); GE Wal-Mart ($1.3k); GE Amazon ($1.9k); Chase Freedom ($1k); Citi Simplicity ($2k); Discover IT ($2k); CareCredit ($1.5k); GE Lowes ($2.5k) -- In The Garden 'Til 08/2014

Current Scores: EQ 716; TU 683; EX: 709; TU(08): 723 - As of April 21, 2014
Goal Score: 700 Across the Board (TU, EQ, EX)

Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,794
Registered: ‎07-01-2010
0 Kudos

Re: Requesting CLI's: Utilization Requirement

I'd pay them all off except one before requesting a CLI.


That way you can boost your scores first, and remove any hesitation they might have about balances across your cards.


New Contributor
Posts: 75
Registered: ‎01-05-2014
0 Kudos

Re: Requesting CLI's: Utilization Requirement

From my personal experience with CLIs, I've been able to request them even with 40% util on the card. I've done this with Citi, Discover, an auto CLI with 50% util on Wells Fargo, and also had an auto CLI with Chase Freedom while having 60% util on it at the time. I would say as long as your income and profile show you can handle the extra credit, might as well give it a shot.  Your Discover and Citi cards have possibilities for soft pulls, but Chase and Wells Fargo almost always are hard pull unless they give you an auto one. 

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† 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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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

IMPORTANT INFORMATION: All FICO® Score products made available on 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.