09-16-2012 08:45 PM
i am a heavy user. it has been a over six (almost 7) months since my last increase.
so u usedheavy then paid off or leave aall balance or.......more specific if you don't mind......
heavy user. always end up revolving the full balance short of getting charged an interest fee. you know, if you don't carry alot of cards with balances, it is fine if you report a balance that is up to around 15 to 20 percent of your available credit. never mind the overzealous that suggest you will look like a deliquent individual to a cc if you dare to report a balance every month. i don't report that much anyway on my discover, but i do on one of my other cards and the increase my limit as well.
09-16-2012 09:52 PM
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO