No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Earlier this year I paid down a good chunk of my credit card debt. It really lowered my util. And also boosted my scores
At end of February was sitting 752 EX 697 EQ 698 TU. So decided to try to CLI my 4 Cap One cards. Well they pulled reports from Dec. 28th. Showing my score as 633. Declined on all 4. So I went on an app spree picked up 6 cards with about 50K in limits.
Since they pulled reports the last time that were two months. If I tried to CLI now would they pull a two month old report again? My score would be way higher if that's the case.
Any thoughts?
Cap1 and Discover have tightend up after the higher default rate than normal.
Cap One only pulls the account review every couple of months and they have become way tighter all of a sudden. I don't really bother with them anymore. Last CLI request I put on they brought my card from $5,000 to $5,500. In the past they gave me 2k CLIs minimum and my credit is far better than back then.
Do you think if I tried to CLI now they would pull a report from two months ago like they did last time?
If they do I should be golden.
Is it worth the shot? Or would it just spook them?