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Utilization <30% or <9% for credit card applying?

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SouthJamaica
Mega Contributor

Re: Utilization <30% or <9% for credit card applying?


@JoshSF wrote:

Thanks folks. 

 

So here is more info:

CCT reports the following scores:

Exp 750, TU 741, Eq 716

Revolving credit usage currently at 24%

AAoA = 12.7yrs (Exp), 13.6 years (TU/Eq)

 

Cards & Limits

Barclay Apple Visa - $8500

Capital One Visa - $750

Looking at my Target store card - $1300 - it looks like it's not reported on my CR. 

 


I think you're in good position to apply for the CSR.

 

If you want to check for a preapproval, you can check at a Chase branch or on their preapproval web page.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 11 of 12
JoshSF
Member

Re: Utilization <30% or <9% for credit card applying?

Thanks. I have to go in to the branch since I opted out of preapprovals (didn't want the junk mail) and Chase's website says they can't offer me any preapprovals even when I ask! LOL. 

7/17: EX 750, TU 741, EQ 716
AAoA = 12.7yrs (Exp), 13.6 years (TU/Eq)

Message 12 of 12
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