@CreditInspired wrote:
@ReturnOfTheCredi wrote:Gotcha. Yes, that's the aggregate. I'll have to look when I have a second. Since I'm using the WF for my daily spend now and it's got a much lower limit than my other go-to's, that's definitely higher. Those thermostats plus some other items have the Amazon card at a little under 50%, I think. My Savor is at ~30%. The Savor and the Amazon will both get paid off in the next month or so. Propel will get close to 80% before I pay it off at the end of the month.
Chase, or for that matter, any other CCs is not going to like these high individual CC UTs. Before reconning or applying for any additional credit, you should definitely work on getting each of those balances under 28.9%. IMHO, I believe you will start getting additional denials before you get approvals. Just my 2cents.
I'm fully aware of the UT impact. You may have missed what I said earlier, so I'll reiterate: Those cards will be paid off in a month, give or take. I do not normally carry any balances. I just happened to have to make several large purchases over the last month. It was simply a matter of timing that I applied for the Chase card when I did. I am not actively seeking any additional credit; it was just a decision I made on a whim for the instant credit on my purchase at that moment.
That said, there's not much I can do about UT on the Propel card since they started me off at $3k and I spend close to $2,500 per month. It gets paid in full each month, but depending on when in a month I apply for something, it may be at 10% UT or it may be at 83%. Until they up my line, there's not much I can do. It'll take a good 6 months of use before they give a CLI, though.
Exactly my experience. Cap1 started me off with the Quicksilver One and a $3,000 CL. I fully expected the secured card offer only, but they did me a solid. Been great since and I'll not lose any sleep either.😉
