I currently have a Chase Student Visa
Never been late
I usually always carried a high balance (ill never do that again).
I had the card @ 792/800 for the last 6 months or so.
Card will report as PIF tomorrow (statement date) and I plan on pif before the statement date to keep it reporting @ 1% or less.
What behavior should i show and how long should i wait before asking for cli? I would just open a new account but i'm worried about my AAoA being affected.
I was thinking pif for 6 months, then asking for cli....
thank you Scorebuilding.
I would love to just go on an App Spree (my scores were as low as 555 less than a year ago, by the end of the month I should be above 720 across the board), but my goal is to buy a home by the end of the year in order to take advantage of the 8k tax credit. -- I'd love to increase my CL instead of adding a new account and killing my AAoA
I make decent income for my age (i'm 21, my gross is $33,800)