https://ficoforums.myfico.com/t5/Credit-Cards/CLI-on-a-new-CAP1-with-BT-only-anyone/m-p/376990#M126721 <P>I was just looking through my Quickbooks transaction history. I got a new CAP1 $5k limit and started it with a BT of $4925 on 05/05/04. Paid on time every time and only minimums except for one month where I accidently paid the minimum twice. On 10/20/06, I did another BT for $1950 and kept paying only minimums all on time. 07/09/07 paid $1234.64 + $234.64, then paid only minimums till 06/06/08 where I PIF. On 07/29/08 I bought a motorcycle that used up 1/2 my limit, but <U>PIF by due date. (this dropped my FICO 48 points but thats another story)</U></P><P>&nbsp;</P><P>Has CAP ever given CLI on only BT without any purchases? I've called them and asked for one like 3 times over this time period&nbsp;and got told no each time. My credit is: 0 lates, 1 or 0 inq per year, about 25k available, utilization about 40%. I asked again about 3 weeks ago and got told no, my utilization at that time has dropped even more down under 35%.</P><P>&nbsp;</P><P>A good FYI and I appreciate any comments on this. -Thanks</P> Sat, 08 Nov 2008 08:01:13 GMT Karatz 2008-11-08T08:01:13Z https://ficoforums.myfico.com/t5/Credit-Cards/CLI-on-a-new-CAP1-with-BT-only-anyone/m-p/376990#M126721 <P>I was just looking through my Quickbooks transaction history. I got a new CAP1 $5k limit and started it with a BT of $4925 on 05/05/04. Paid on time every time and only minimums except for one month where I accidently paid the minimum twice. On 10/20/06, I did another BT for $1950 and kept paying only minimums all on time. 07/09/07 paid $1234.64 + $234.64, then paid only minimums till 06/06/08 where I PIF. On 07/29/08 I bought a motorcycle that used up 1/2 my limit, but <U>PIF by due date. (this dropped my FICO 48 points but thats another story)</U></P><P>&nbsp;</P><P>Has CAP ever given CLI on only BT without any purchases? I've called them and asked for one like 3 times over this time period&nbsp;and got told no each time. My credit is: 0 lates, 1 or 0 inq per year, about 25k available, utilization about 40%. I asked again about 3 weeks ago and got told no, my utilization at that time has dropped even more down under 35%.</P><P>&nbsp;</P><P>A good FYI and I appreciate any comments on this. -Thanks</P> Sat, 08 Nov 2008 08:01:13 GMT https://ficoforums.myfico.com/t5/Credit-Cards/CLI-on-a-new-CAP1-with-BT-only-anyone/m-p/376990#M126721 Karatz 2008-11-08T08:01:13Z