https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Requesting-a-credit-line-increase-Total-owned-variable/m-p/2250135#M280072 <P>Yes, it would be wise to pay down as much as you can before you request a CLI. Delta Community can be fairly conservative. They would only let me raise my limit $1k and it was a hard pull with no balance on my card. It's better if you can go into a branch rather than request over the phone. I requested my CLI at the ATL airport branch.</P> Thu, 27 Jun 2013 03:20:32 GMT USF813 2013-06-27T03:20:32Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Requesting-a-credit-line-increase-Total-owned-variable/m-p/1940613#M246617 <P>I have had a Delta Community Credit Union Credit Card for a little over 3 months now. &nbsp;When I first opened the account the rep that helped me said I could request a CLI in about 3 months. &nbsp;I was wondering if the amount I owe on the card currently, affects the CLI decision in any way? &nbsp;It is a $2000 cc and I owe about $650 on it right now. &nbsp;Would it be a good idea to pay it down some before requesting the increase or doesn't it not matter?</P><P>&nbsp;</P><P>Thanks,</P> Sat, 09 Mar 2013 04:01:20 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Requesting-a-credit-line-increase-Total-owned-variable/m-p/1940613#M246617 Anonymous 2013-03-09T04:01:20Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Requesting-a-credit-line-increase-Total-owned-variable/m-p/2250135#M280072 <P>Yes, it would be wise to pay down as much as you can before you request a CLI. Delta Community can be fairly conservative. They would only let me raise my limit $1k and it was a hard pull with no balance on my card. It's better if you can go into a branch rather than request over the phone. I requested my CLI at the ATL airport branch.</P> Thu, 27 Jun 2013 03:20:32 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Requesting-a-credit-line-increase-Total-owned-variable/m-p/2250135#M280072 USF813 2013-06-27T03:20:32Z