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Could also imagine that DTI is more a reason to CLD than util alone. Also new accounts and low AAoA could play a role.
That is true.... im just under 8k.... but after the 2500 I moved falls off i will be back down to 5500.
1100 of that is on my barclays for my interest free computer.
The rest thats left is that 2500 and then a 1700 dollar personal loan combined into a balance transfer.
She said its because my credit card debt went from about 4k when i opened my credit card with them to 8k now..... thats when i told her that I had some falling off due to the balance transfer.....
It definitely should have nothing to do with DTI because I am under 20% on DTI now.
And to everyone else.... yes its 33% overall that she said caused the trigger
And I am paying way over the minimums .... I pay about 400-600 dollars a month torward it..... Most of it is very short term stuff....
Like buy something and pay if off after 2-3 months
I think its stupid....
Really out of 25000 dollars in open credit..... you think reducing me by 500 really helps protect you.
If they do decrese me again .... they can consider their account closed.
@R3DLINE wrote:If they do decrese me again .... they can consider their account closed.
Yes, that's probably what you should do. And, of course, that is also fine by them, so it's not a threat!
And if thats the way they want it... so be it.
Its my newest card so that would suck a little..... but o well