12-08-2012 09:14 PM
Wanting to become an AU on girlfriends Furniture Row Cap 1 card with 1,200 limit.
Should I do this before requesting a CLI on my Citi Simplicity?
The only reason I thought to do this is because I figured another free and clear card that I didn't app for,
with a 1,200 limit would DEFINITELY help my chances at getting the increase amount I want from Citi.
Any thoughts or does anyone know if these two things are related, credit wise?
1. Having a new limit would increase my available credit, lowering my util, increasing my score.
2. As a result of score increase, Citi grants CLI amount I'll request.
Something like that?
12-08-2012 09:32 PM - edited 12-08-2012 09:32 PM
You could just request your CLI and see what happens - I don't see a 1,200 CL changing much so long as your util% is below 10% when you request it with your current cards you should be fine depending on how fat a CLI your looking for.
You also have to wait if you do the AU deal - for it to report on your reports if it will. Which could take like 60 days. (I don't really know much about AU)
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