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Established Member
renov8r
Posts: 35
Registered: ‎05-03-2007
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High Utilization
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‎06-20-2007 10:15 AM

Are there any credit card issuers that will approve with high utilization and 681-717 ficos?
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Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
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Re: High Utilization
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‎06-20-2007 10:16 AM

Yes. Do you have any baddies? How high is your util?
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Senior Contributor
ilovepizza
Posts: 3,071
Registered: ‎05-17-2007
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Re: High Utilization
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‎06-20-2007 10:22 AM

Your current scores will get you cards. UTL? Oww! How much debt and total credit limits do you have? Please list, bank name, debt amount, credit limit only for cards that you currently have. :-)
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
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Established Member
renov8r
Posts: 35
Registered: ‎05-03-2007
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Re: High Utilization
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‎06-20-2007 10:27 AM

Wells 79% of $5,400 limit
SDCCU 87% of $8,500 limit
Bankfirst 65% of $1,900 limit
Shell/Citi 73% of $6,750 limit
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Tuscani
Posts: 6,182
Registered: ‎03-29-2007
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Re: High Utilization
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‎06-20-2007 10:28 AM

Any baddies?
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Established Member
renov8r
Posts: 35
Registered: ‎05-03-2007
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Re: High Utilization
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‎06-20-2007 10:29 AM

No baddies.
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Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
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Re: High Utilization
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‎06-20-2007 10:31 AM

You should be able to get any or all of the following:
 
Amex Delta (EX pull)
Amex Hilton or Starwood (EX pull)
Citi Premier Pass (EQ pull)
BofA Hawaiian Air Plat (EX pull)
 
Good luck!
 
 
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Senior Contributor
ilovepizza
Posts: 3,071
Registered: ‎05-17-2007
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Re: High Utilization

[ Edited ]
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‎06-20-2007 11:10 AM - edited ‎06-20-2007 11:12 AM

Tuscani wrote:
You should be able to get any or all of the following:
Amex Delta (EX pull)
Amex Hilton or Starwood (EX pull)
Citi Premier Pass (EQ pull)
BofA Hawaiian Air Plat (EX pull)
Good luck!
In my opinion, I would try Amex first and Citibank "last". I have always had problems with Citi with anything over 50% UTL. Your stated income will be a large factor. Income to credit limit and debt is considered too which can work out to your advantage sometimes.

Message Edited by ilovepizza on 06-20-2007 11:12 AM
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
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Established Member
renov8r
Posts: 35
Registered: ‎05-03-2007
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Re: High Utilization
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‎06-20-2007 11:50 AM

My current ficos are:

TransUnion

705

Equifax

715

Experian 685

Do you think Amex is wise?  Amex Blue shot me down based on an Experian pull..

Also - my HELOC which is maxed out at $65K shows as revolving debt - same as a credit card?  I have no other real estate loans since my wife carries the 1st mortgage on our home. 

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Super Contributor
MidnightVoice
Posts: 8,198
Registered: ‎03-25-2007
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Re: High Utilization
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‎06-20-2007 11:57 AM

With 80% util, $83,000 of debt, a mortgage and an average credit score of <700, are you sure you need another card?
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
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