I know this is far fetched, however, are there any cards out there that will aprove for a Credit card or give a cli even though Util% is around 42%.
Just trying to find ways to increase my overall credit limit and bring down the Util%. I have been putting major dollars towards decreasing my debt but just wanted to see if i can also bring up my overall credit limit by adding new credit or getting a cli. I have a clean record, no negatives at all, fico is around 720-730 just Util% is killing me.
I have already increased by GE accts that i currently have. Gap and Jcpenney
Tried to increase Jcrew but i havent used that card in so long, it was decline and luckily i checked my credit report and they were not reporting and became dormant. I just brought something 2 weeks ago for 6 dollars (pair of socks haha) and it is now reporting to the CRAs. I probably took a ding for a dormant card reporting but i know i will get it back the foloowing month.
All my other cards are prime card, ax, (3) citi, (3) chase, Bofa, discover, hsbc, patelco, NASA
I know many of you are going to say just wait it out and i agree but just making sure i cover all corners and turn over all rocks.
I am going to go to Walmart soon and apply in store for thier store or discover card, whichever one they give me.
Thanks guys for all your help
