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II have 3 cards at high utilization. I can try to CLI one with a softpull that will pull my overall utilazation down. I will also pay down as much as possible. I am apping for a mortage this month. Will this hurt me? is it advisable?
@mojo_ny wrote:II have 3 cards at high utilization. I can try to CLI one with a softpull that will pull my overall utilazation down. I will also pay down as much as possible. I am apping for a mortage this month. Will this hurt me? is it advisable?
Not if it's a SP, if you get a CLI and you pay that util down some, could help quite a bit.
I doubt a CC company will grant you a CLI if you have high utilization? Perhaps you'd be more lucky, but what I've read on the Credit Approval board was that people who CLI request, usually paydown to 2% or sometimes not even have a balance before they are request a CLI and results an approval.