What Behaviors Get Your CL Decreased?
03-16-2012 06:58 PM
After reading several posts about people getting their CL decreased by their CCC, I was thinking it might be a good idea to create a post about what sort of actions/behaviors trigger a CL decrease.
I myself have never had my limits decreased since getting my first CC in 2005. I have a total of 4 CCs now, I have never been late on them, PIF every month, and pay multiple times per month. I'm only assuming, but I feel like the biggest reason I've never had a CL decrease is because of my frequency of payments (usually 3-4 per month for the full statement balance at that time). So what about everyone else? What did you do that caused your CL to be decreased, or what have you been doing such that it hasn't been decreased?
Starting Scores (lender pull 3/27/10): 759 (EQ), 752 (TU), 749 (EX)
Current Scores (myFICO 4/4/11): 768 (EQ)
Goal Scores: 800
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