@Anonymous wrote:
I have a 500 CL Visa with my CU. It was my first CC and I have a little over 12 months of on time payments. I have a high utilization tho, and often carry a balance.
I'm wondering if I should try for a CLI?? The reason for the increase primarily to lower my utilization. Should I wait until my balance is paid off tho?? Open to all suggestions!
Pay it off first and if you have other cards with balances you want them paid down below 30% (and reported as such at the CRAs) before asking for the CLI as they most likely will HP for it
