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Regular Contributor
Posts: 117
Registered: ‎08-20-2007
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Trying to Raise my utilization %

I have a 648 score and want to apply for a new cc but don't want to risk an inquiry if it's going to be no. Any suggestions on a CC with this type of score? My current utilization is about 25% but i wanted to get more CL so that would go down. Any help would be great.
Valued Contributor
Posts: 1,436
Registered: ‎08-07-2007
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Re: Trying to Raise my utilization %

[ Edited ]


kasowell wrote:
I have a 648 score and want to apply for a new cc but don't want to risk an inquiry if it's going to be no. Any suggestions on a CC with this type of score? My current utilization is about 25% but i wanted to get more CL so that would go down. Any help would be great.


AMEX Gold Delta Sky Miles
 
Pulled EX only!
 
My scores two weeks ago were EX-647
 
Good Luck!


Message Edited by SpecFile on 08-25-2007 10:23 AM

Message Edited by SpecFile on 08-25-2007 10:26 AM
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
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Re: Trying to Raise my utilization %

[ Edited ]
The AMEX Hilton has similar approval criteria as the Delta. More AMEXs means more CL, and if you apply within a few days of each other you'll likely only incur a single EX pull.
 
And check out some of the friendly CCCs in my sig.


Message Edited by Noah_Bodie on 08-27-2007 05:22 PM
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
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Re: Trying to Raise my utilization %

Any baddies?
Regular Contributor
Posts: 117
Registered: ‎08-20-2007
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Re: Trying to Raise my utilization %

No baddies a couple of hiccups last December when I forgot one payment over Christmas.
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
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Re: Trying to Raise my utilization %

You should be able to get the Amex Delta and Hilton.
Regular Contributor
Posts: 115
Registered: ‎05-22-2007
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Re: Trying to Raise my utilization %

Try the Hooters Card too!
Regular Contributor
Posts: 117
Registered: ‎08-20-2007
0

Re: Trying to Raise my utilization %

Had a BK in Feb 98 could I still get a Amex Delta or Hilton?
Valued Contributor
Posts: 1,436
Registered: ‎08-07-2007
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Re: Trying to Raise my utilization %

[ Edited ]
I have heard that AMEX is not BK friendly.  But I need to tell you that I recently learned that BKs do not automatically disqualify you from obtaining an AMEX card.  A lot of it depends on whether or not you had an AMEX account included in your BK.


Message Edited by SpecFile on 08-29-2007 05:28 PM
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