Trying to Decrease Utilization

[parakleet]

Sorry to hear that. Yeah, maybe I should have made it more clear that it's typically very difficult to get CLIs or approvals when you're maxed out.

[Pat94108]

 I'd say the low CL is not that surprising considering the high balance on your Citi. Congratulations on your approval.

[09Lexie]

With you new job, work on paying down your debt. Make a budget and stick to it. SD your cards and don't use them until your util is under control.

Good luck

[SunriseEarth]

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@09Lexie wrote:
With you new job, work on paying down your debt. Make a budget and stick to it. SD your cards and don't use them until your util is under control.

Good luck

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+1

OP, congrats on new TL.  It's a little more breathing room, at least.  With the two CCs practically maxed out and two hovering near 50% UTIL, it's definitely time to start pushing that UTIL down through payments.   Good luck!

[terren2000]

thanks for all the good advise.

[coldnmn]

It's a good bank it will grow Congrats! 

[maiden_girl]

To totally clear out your credit UTL...I'd suggest an installment loan for the remaining balances. Only if you don't currently have a BT offer on the new tradeline. SD and forge through!

[mountainmom]

Did they give you reasons for low limit?

[terren2000]

^^^

On the low lmit, they just told me thats what I was able to get based on income and debt.  I have no baddies at all just inquiries.

I make $42,000.  I just got the job 7 months ago.  I live with mom and pay no rent.  ANd my Credit card bills amount to $400 a month.

WHen I got Citi, they gave me $8500 out the box.

DIscover will be paid down my the end of November.  So I will see if I can get an increase.

I dont know why my Loans dont show deferrment.  Even on MYfico when you click inside it show defferred. 

I have a crush on the recon lady.  She sounded so sweet and gentle.  Now that im making some money i need a gentle woman.

[terren2000]

If I can find someone that will give me one.