Yes, I have 3 cards on the chopping block. I plan on staggering the closures. Since Citi Closed 5 and commenity closed one so thats six in November/December. Then I closed about 6 in Octover like Avant, Credit One and etc. I dont want to close that many more cards in a short period. Noticing everytime I close I take a hit. So I want to lower UTL before closing each card so the percentage after closure will stay about the same if that makes sense.
Definitely a good idea on staggering the cards to close and keeping your UTIL low. If you havn't already, I would make a spreadsheet that has all your cards, due dates, date opened, CL, CL used, UTI, etc. This way, you can see what the damage to the total UTI will be versus what your TCL is.
I'm still trying to figure Target out Joe lol. $300 limit since I think March of 2018 or November of 2017, I cant figure out if it was target or walmart first lol. Either way I put tons of spend, to no spend....i cant figure them out
It may depend on your scores. Your EQ and EX are borderline. When lenders SP your CR and see the history, age, income, accounts open/closed, score, etc. All of that info goes into an algorithm which then determines if you can get a CLI or not.
WHat is AA?
AA is adverse action. Something like a CLD (credit line decrease), account closure or any behavior such as credit seeking, bust out fraud, etc. Basically, anything negative a lender can do.