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Message 1 of 5
Valued Contributor

Re: Help FICO community

Yes utilization is across all cards. Keep your utilization below 10% across all cards. Do not apply for anymore cards because we call your limits toy limits and you will only get more like this if you dont garden so go ahead on over to the garden and let your current cards grow

Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 2 of 5
Regular Contributor

Re: Help FICO community

You can try see if you CCC will increase your limits with soft pulls. I read this thread before: Check to see if a card pull Hard or Soft when requesting a CLI.


Current Cards: AMEX Everyday ($15k), AMEX BCE ($20k), Amex Platinum, Arrival ($11.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($6.5k)

2/16 - 864 Fico EQ (CITI); 818 Fico Ex (AMEX)
Message 3 of 5
New Member

Re: Help FICO community

Thank you Chnceit.


I plan on doing just that. Will work with the CC i have and grow them. I already started getting credit increase offers....

Message 4 of 5
New Member

Re: Help FICO community

Thank you Ceemee2203.


I will check with my CCC before accepting an CCI..

Message 5 of 5