Credit Cards Center Credit cards from our partners
Reply
Frequent Contributor
Posts: 470
Registered: ‎08-14-2012
0

Re: Well at least I tried :)

On the plus side, I had to call PSECU today as well... great CS!!!!!

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Frequent Contributor
Posts: 305
Registered: ‎04-26-2012
0

Re: Well at least I tried :)

40%...meh...wouldn't worry.  I don't think the creditors jump the gun on a one month review anyhow.  If they see extremely high utilization continuously for several months, maybe.  Your situation...nahhh.  Don't worry and sleep well my friend.

Valued Contributor
Posts: 1,960
Registered: ‎08-13-2007
0

Re: Well at least I tried :)

No worries LS. Everything is cool...

 

Remember, "worry is like interst paid on money not yet due"! I tell myself that daily...  Smiley Tongue

Ray

** Every Card has a Job, and Every Card does its Job **

Highlighted
Frequent Contributor
Posts: 403
Registered: ‎02-01-2010
0

Re: Well at least I tried :)


beautybrainsbooty wrote:

Ok. Listen. Look at me. 40% is nothing. In the whole scheme of things you will be fine. It had to get over my own near manic utilization fears and realize that I am being responsible, paying off my CC debt "early & often" like never before. Creditors love to see you use their cards! The only time I worry about util is when I am going to app. Just let everything post and update. Its ALL GOOD!!! Smiley Wink


+!

I was recently approved for BCP, FNBO & Simplicity with util >50%. ( Iknow, I know - but that was down from 75% a few months prior.)

Although 40% is not ideal, it's really not that bad. Cheer up, LS!

Meg.

FICO: 4/2016 - TU 841 | EQ 840 | EX 837

FNBO 23,600 | Amex SPG 13,900 | Amex BCP 13,400 | Barclays/Sallie Mae13,000 | Discover IT 12,500 | Lowes 10,000 | PLOC 9,300 | NASA FCU 8,700 | Citi Simplicity 6,200 | BOA Platinum+ 6,000 | Achieva CU 5,500 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.