Credit Card Center Advertiser Disclosure†
06-12-2013 10:17 PM
06-13-2013 05:33 AM
Thank you guys.
Yeah it is totally util that is keeping my score down - I have no "baddies". I didn't realize the importance of that trick until recently. My util on the Cap One card is, as we speak, 5%. So I'm going to keep it there or even maybe a little lower for a couple of months. Hopefully I can get a CLI but I know Cap One can be a bit tough with that.
Is there anyway to figure out when your cut off for reporting for the month is? Is it the same as the credit statement cycle?
SnackTrader & HiLine - this makes perfect sense.
And thanks for the guidelines everyone regarding what to app.
Nsisaat - that's good to know re Discover.
I'll be back to update......................
06-13-2013 06:43 AM
06-13-2013 07:12 AM
Got it thanks! Will keep you posted.
06-19-2013 11:45 AM
Cap One denied me a CLI when I called the EO. Boooooooo
I'm also going to have to wait until next month for my card to show a small balance. My balance is currently 0%, however, I'm renting a car this weekend and although it's prepaid I'm going to my Cap One as the "hold" card. So my balance will include the money that is held. I think this puts me about about 66% usage.
Oh and my reporting date for Cap One is 23rd June and I'm hiring the car on the 21st.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.