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Better chance of CLI: Target or Cap One?

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collics
Established Contributor

Better chance of CLI: Target or Cap One?

Hi. Both have been over 85% for years and I'm finally getting around to paying everything off. Will have the funds to pay one of these down sooner rather than later but I want to choose the one that will most likely give me some love back. 

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I want to make sure I pay down the better option and move a little usage to show activity. 

Cap one card 6yr 9m old. Don't think it ever got an increase. 
Target 5yr 7m. One auto increase the first year i had it. 

BK 7 FREE!
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FICO8s Dec 2019

FICO8s Oct 31 2023
4 REPLIES 4
AverageJoesCredit
Legendary Contributor

Re: Better chance of CLI: Target or Cap One?

Target. Both are throwing darts in wind but with Cap One they want heavy spend, maxed out card isnt going to open any cli doors wheras Target is as random as Discover but tgeir suprise cli can be like hitting Mega MillionsSmiley Wink

Message 2 of 5
SecretAzure
Valued Contributor

Re: Better chance of CLI: Target or Cap One?

Unless your goal is to pay less, you could split them and have both lenders happier at your current utilization. There's still a chance they could respond well. Otherwise, like @AverageJoesCredit said, Target seems to make more sense. 

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MCMust garden until 2/1/2022 to hit my goal AAOA. Smiley Indifferent
Message 3 of 5
collics
Established Contributor

Re: Better chance of CLI: Target or Cap One?

@AverageJoesCredit  @SecretAzure 

 

Thanks for the responses!! I think I'll take the chance and pay off Target.

BK 7 FREE!
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FICO8s Dec 2019

FICO8s Oct 31 2023
Message 4 of 5
AverageJoesCredit
Legendary Contributor

Re: Better chance of CLI: Target or Cap One?


@collics wrote:

@AverageJoesCredit  @SecretAzure 

 

Thanks for the responses!! I think I'll take the chance and pay off Target.


You're welcome.  Plus everyone seems to like to play Targets MC game lol. Like MM, it CAN happen😄

Message 5 of 5
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