Dis, Amx, Citi branded x2

[Anonymous]

High utilization but higher income.

2 cards combined $25k limit & 80%+ utilization each

*1 mine, 1 AU that showed TU &EQ. EX showed 0 utilization. AU was supposed to be removed Nov 2020.

2 AU total $9k combined limit with 40% - 60% utilization

2 cards both mine total $1750 limit = 0 utilization

Feb 26th

Discover It: EX Inq, FICO 9 = 703

SL: $13,500

Transferred NFCU 80% util ($12k)

Card reported without transfer 2 weeks later.

NFCU reported Apr 2nd with $0 balance.

Apr 5th App

Citi Branded x2 hit EQ only. Fico8 = 728

*EQ shows an AU at 83% utilization. 

Best Buy Visa approved: $3,000

Costco approved: $9,000

Amex BCF hit EX only = 730

Approved $9,500

Now to build some history & age so I won't get hurt too bad by dropping 2 cards that have $1750 combined limits; Fidelity that Elane refuses to CLI & Cap1 because I'm not getting benefit from it.

[Credit4Growth]

🍾 Congratulations on your approvals!

[AllZero]

Congratulations on your approvals!

[Anonymous]

Congrats on your approvals! 🎉 Should be nice additions. Wouldn't be the worst idea lowering utilization or increasing credit limits to off set it. I would imagine it can improve your score even further significantly! 

[mrcraft]

Congratulations on your approvals!!

[CreditAggie]

Congratulations on your approvals!

[M_Smart007]

Congratulations on your approvals! ...

[gdale6]

Grats to all your success and welcome to myFico

[Anonymous]

Congrats on the approvals! If those two cards you're closing are your cards, they won't hurt your age factors until they fall off your reports, commonly about ten years after closure. 

[Heatt99]

Congratulations...This is good DPs for one with high utilization. Althought YMMV, it still provides info for people with similiar situations such as myself.