Requesting credit line increase

[OptimalCS]

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@navistar wrote:

does it hurt credit if you are denied? I have been approved by one credit card and thinking about requesting with another card.

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For me the key to my CLIs has been asking when my util is low. 

[navistar]

it will be zero balance in 3 days. i can wait until it clears. balance is $274 of $1000 right now

[navistar]

Just got off phone with GE Care Credit customer service and they only do HP

[Kenny]

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@OptimalCS wrote:

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@navistar wrote:

does it hurt credit if you are denied? I have been approved by one credit card and thinking about requesting with another card.

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For me the key to my CLIs has been asking when my util is low. 

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Well you have some nice Citi CLs! 40k at Home Depot sounds like a very nice home renewal to me! 20k on TYP is pretty dang awesome, too!

[navistar]

those do sound good. sadly i dont own a home yet. i will be gardening until its time to apply for a mortgage. I figure if my credit scores are around 680 and 3 out of 4 cards have over 50% balance, it will do some good to get them under 10%

Edit: i also have one baddie on each credit agency from 2009 that will fall off soon with a succesful gw letter

[Creditaddict]

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@navistar wrote:

Just got off phone with GE Care Credit customer service and they only do HP

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Id do it unless you are buying a house in the next year... ask for $20k

[navistar]

i think you are right credit addict. It will probably be 1 year before i buy a home and that will allow inquiry to fall off of fico score right? I may wait a few days to let my only bad items on credit fall off so i can get as much as possible out of care credit.

[Creditaddict]

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@navistar wrote:

i think you are right credit addict. It will probably be 1 year before i buy a home and that will allow inquiry to fall off of fico score right? I may wait a few days to let my only bad items on credit fall off so i can get as much as possible out of care credit.

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sounds good.