Yep reconsideration works well. Called one of my revolving accounts and ask for a increase. The lady I talked with was real nice found out her son just came back from overseas and is stationed on the base here in my town and my fico score was above 600 (up from 565 last month) true credit had it around 589. Have to admit been thinking of doing it and thinking of doing it then this morning went what the heck they don't know me and no really does not hurt if it happens. This account now shows less than 30% outstanding. Before the call it was at 55% of total outstanding.