New Member
Posts: 416
Registered: ‎02-06-2009
Re: CLI: is it really advantageous?

The bleeps totally messed up my original post.


To repeat, for the past 5-6 years I've been very good managing my credit cards. My utilization is <10%, both overall and per-card. Most times, util is 1-2%.


My oldest card is 14 yrs old with a $5000 CL. A long time ago, I went over the CL so the high balance on my CR is $5200 for this card. Would it be advantagous to ask for a CLI for this card such that CL > high balance? Will a CLI increase my credit score due to the fact that my high balance is now below my CL?

06/28/2016 - EX 806 (Credit Scorecard EX FICO® Score 8, range 300-850)
06/20/2016 - TU 817 (Discover TU FICO® Score 8, range 300-850)
06/21/2016 - EQ 819 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 12/13/2015