Re: Does Heavy Use = Higher CLIs?
10-03-2012 07:07 PM
Are you more likely to get a better CLI if you give your card a good workout, and of course, pay it on time (possibly in full) over just using it once in awhile?
In most cases yes, as long as your not constantly maxxing the card and PIF. I figure just over 50% of the CL and PIF.
I agree with this. The CCC like to see you're using your card as much as possible (they make money on every transaction) and of course PIF. They typically reward heavy usage and awesome credit management.
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015