Credit Card Center Advertiser Disclosure†
08-06-2009 12:10 PM
My Util before was 45% so getting down to 10% is amazing for me!
Bungalow...tell me about it!!! It was REALLY hard to not spend the $!!! Since seeing the improvements over the past year it would be a shame to backtrack!
That's a sign of financial maturity and discipline. It took me decades to learn that.
Time can heal all wounds and a low FICO.
"Hello my name is Sandy and I'm a recovering crediholic".
08-06-2009 12:18 PM - edited 08-06-2009 12:23 PM
PM = private messages. When you are signed in you will see in the top right hand corner of the screen if you have any messages.
Maturity...what's that?!! haha!! I got my first CC right out of high school with Target cc in 1997 - still have the card today, although it's since morphed into a Visa...maxed that sucker out in a week...paid it off about 2 years later and then forgot about the card until about 5 years ago....learned that the account was still open and they bumped my cl to $500 ---maxed it out again....paid it off one more time and they changed it to a Visa and up'd the CL to $1000----maxed it out again.....NEVER, NEVER, NEVER WILL I DO THAT AGAIN!!!!!! Now that it's paid off I'm hoping they'll up the CL again to $2000...that will definately help the UTIL even more!!
08-06-2009 01:52 PM
08-06-2009 01:59 PM - edited 08-06-2009 02:01 PM
Hey Mo! That last CLI was exactly 2 years ago - it was an automatic CLI. They sent me a letter indicating my redcard was being changed to a Visa and that my CL was being increased to $1000. I've now been a cardholder for 12 years so I'm going to call for a CLI once my scores update from the payoffs....hoping they give at lease a $1000 increase.
My Util has sucked on that card since they auto CLI'd it 2 years ago...just paying it down to $10 for the first time in 2 years.
08-06-2009 02:02 PM
Oh...definitely! What was the amt you just paid off? If it was close to the max, they might make you wait.
But it IS a 12 YO card, so you might be ok!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.