I've got an Amazon SC, 4 months old, $2600 limit, spend around $500 a month on it, have some exercise equipment on the zero interest so have a rolling balance of about $600. My FICO went from about 690 when approved to 730's now. Going to try for a CLI just to get more overal available credit higher to decrease overall utilization.
I read some rumours in the past that the TU score they use can be dated? Interestingly, I logged into TU and looked at my report and there ARE two "Account Review" inquiries showing both in December, one is listed as SYNCB/SYNCB and the other as SYNCB/AMAZON PLCC about 3 weeks apart from each other.
I was going to reduce my credit utilization with a large payment before requesting CLI to give my TU FICO score a boost. Seems like to be safe, I should just call in the CLI request to make sure they get my most recent TU FICO score or does the website do a realtime soft pull? Or does anyone really know?
