No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I have been on a mission to raise my limits for the last month. I had lots of useful advise from a earlier thread I started. The short story- tu 817, equifax 750, exp probably the same as tu. Started with cards c1 $5000,boa $5000, Lowes $250, and HSBC $700.I got c1 to $10000, Lowes to $5000,and HSBC to $5000. I was going to go for boa now to try for $10000 but I missed the c1 cutoff date by 1 day and $4200 is reporting. All others show $0. Should I now wait until next month to try boa or do it anyways. Boa is offering 0% BT. I could use that as my reason to ask for the CLI. If I check my tu report, what is the minimum score threshold I should have to CLI boa? I make $ 70 k and live in NY. The boa card is 6 years old, heavy use, always pif. I want boa to match c1 limit or hopefully go higher. Should I wait or go for it?
Really it's going to depend on your score. Ther are obviously going to know that you paid the bill. It's just going to be if 80% on that card is going to knock your score down to much. Is the 10K capone reporting? If not I'd really wait for that limit to hit your reports to give them something to match. The ole I'm going to use the capone becuase it has more room is rather effective.
I just checked my tu fico as I'd really like to CLI BOA now and not wait a month. Tu fico is 797 with 42% on my C1 card and 17% overall. 1 inquiry reporting. I already paid off the c1 card but it doesn't show up on my report as being paid of course. So what do the experts think. CLI now or wait a month?
@longclimbback wrote:I just checked my tu fico as I'd really like to CLI BOA now and not wait a month. Tu fico is 797 with 42% on my C1 card and 17% overall. 1 inquiry reporting. I already paid off the c1 card but it doesn't show up on my report as being paid of course. So what do the experts think. CLI now or wait a month?
Wait for update it won't be that long