topic Re: Score and cli in Credit Cards

Score and cli

Anonymous — Sat, 31 Mar 2012 22:49:53 GMT

After checking my scores they have been relatively the same for a while. I did however get 2 new auto loans, last month. I want to get them up more. My credit usage is 17% right now which will be under 15% when chase reports. I am stuck here and not sure what to? In addition should I ask for more on my Amex and they pre approved me for all of the charge cards should I get one? Im 21 I want to buy a house when I graduate college next year and I would like to have the best credit score possible when applying. Any thoughts??? Scores are accurate in my signature

Re: Score and cli

Creditaddict — Sat, 31 Mar 2012 22:59:07 GMT

I would always ask for CLI with Amex, it's always a SP.

Not sure the Charge Card would really help your score much.

But confused, what cards do you currently have? are you looking for different cards or more prime cards or just simply want score higher? because if it's just higher score you don't need more credit to make that happen if you already keep util very low.

2 auto loans?

Re: Score and cli

Anonymous — Sat, 31 Mar 2012 23:08:07 GMT

I have a Chase Freedom Card, American Express Blue Card and a Discover More card. Yes, I leased and purchased a car last month, I had a installment personal loan before that I paid in full before getting the cars. I want to get my score higher is my main goal but wouldnt mind getting more cards to put in the safe, or do you think im better off just rolling with what I have for now? I asked for a CLI on amex a few months ago they granted it no problem. Then I got discover to match it.

Re: Score and cli

Creditaddict — Sat, 31 Mar 2012 23:13:06 GMT

@Anonymous wrote:
I have a Chase Freedom Card, American Express Blue Card and a Discover More card. Yes, I leased and purchased a car last month, I had a installment personal loan before that I paid in full before getting the cars. I want to get my score higher is my main goal but wouldnt mind getting more cards to put in the safe, or do you think im better off just rolling with what I have for now? I asked for a CLI on amex a few months ago they granted it no problem. Then I got discover to match it.

Well I would look at cards that you would want or use after purchasing a house if it's over a year out.

Lowes, Home Depot.?

Otherwise I don't think getting more cards is going to make score higher, the advantage of doing it now is that you have the next year to use the accounts a little and get the limits higher hopefully by next year.

Re: Score and cli

Anonymous — Sat, 31 Mar 2012 23:19:10 GMT

I think I would be better off just trying to get my limits higher. How often can I ask for a increase with Amex?

Re: Score and cli

Creditaddict — Sat, 31 Mar 2012 23:20:40 GMT

@Anonymous wrote:
I think I would be better off just trying to get my limits higher. How often can I ask for a increase with Amex?

6 months and up to 3x current up to $25k max request over automated phone or online thing.

Re: Score and cli

Anonymous — Sat, 31 Mar 2012 23:24:43 GMT

Ok I still have a few months to wait for a increase then...

Re: Score and cli

LS2982 — Sun, 01 Apr 2012 00:04:50 GMT

@Creditaddict wrote:
@Anonymous wrote:
I think I would be better off just trying to get my limits higher. How often can I ask for a increase with Amex?
6 months and up to 3x current up to $25k max request over automated phone or online thing.

Re: Score and cli

clocktick — Sun, 01 Apr 2012 02:12:12 GMT

Yes, but you can ask for 3x your limit and if they don't want to go that high, they will counter.

Where did you get your scores from?

Re: Score and cli

Anonymous — Sun, 01 Apr 2012 02:22:01 GMT

discover credit score tracker