new account score increase?

[Jake0215]

I recently was approved for another card with my largest limit yet. 6k. when i run a simulator as to how this will effect my score i see a rather large increase because of the added available credit. Is this a "rebucket" situation? have i crossed a threshold?

[Revelate]

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@Jake0215 wrote:

I recently was approved for another card with my largest limit yet. 6k. when i run a simulator as to how this will effect my score i see a rather large increase because of the added available credit. Is this a "rebucket" situation? have i crossed a threshold?

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Simulators are notoriously bad; however, could be a rebucket (number of tradelines probably has some threshold I'd guess), or it could be taking your current utilization into account and factoring in 0 additional balance, and 6K more CL.

Or it could be playing pin the tail on the donkey while blindfolded and drunk: I haven't found a simulator yet even with my comparitively simple credit report that tracks my FICO changes with any legitimacy.  I'll admit though to finding the Credit Karma estimates rather too amusing

[haulingthescoreup]

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@Jake0215 wrote:

I recently was approved for another card with my largest limit yet. 6k. when i run a simulator as to how this will effect my score i see a rather large increase because of the added available credit. Is this a "rebucket" situation? have i crossed a threshold?

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You don't get rebucketed for an increase in CL. It's generally age-related, plus (maybe) presence of a new account, and whether or not you have negatives.

Do you have balances that report? If so, the $6k on the new card appears to increase your total CL enough to drop your util into a lower tier, so it's projecting a score increase due to lowered util.

Do be aware that the sim is certainly not Gospel.