Since I joined the forums I learned how much Utilization counted towards a good credit and financial life.
I always thought that having a balance at all my cards helped me, and that as long I did not go over my CL I was fine. Then I would not understand why they would never give me CLI...
Now I have 4 of 10 cards in $0 and I keep brining the other ones down, to the magic number of 1-9% overall.
Thanks everyone for their helpful post!
Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
my plan is to keep brining them down, and if i have to use them i will PIF before the statement cut to show them at $0 in my CR, i am getting close to my Walmart 4th statement, and I want a bigger CL than 300 
Awesome work! Walmart will give you a great reward. They gave me a 500 auto increase, but when I called (same day) they gave another 1500 easy. Wished I had asked for more.
Don't be afraid to ask for more than you think they'll give you. Good luck!
I also learned how much util plays a role in score and paid down alot of debt. Very happy with the dramatic increase in scores I received. Keep up the good work paying down those cards! 
Starting Score: EQ 717 EX 724 TU 736
@londonhogfan wrote:Awesome work! Walmart will give you a great reward. They gave me a 500 auto increase, but when I called (same day) they gave another 1500 easy. Wished I had asked for more.
Don't be afraid to ask for more than you think they'll give you. Good luck!
I have the understanding that other CCC will look at your limit before giving you a CLI, my biggest CL is 1k, would Walmart beat these?
I would shoot high like you guys say, 2 ks??? i have used and carried a balance the last 4 months, now its the first time I PIF. we will see.
Also Im not rich kid, im actually putting a lot of effort in paying them down
@zerobacan wrote:
@londonhogfan wrote:Awesome work! Walmart will give you a great reward. They gave me a 500 auto increase, but when I called (same day) they gave another 1500 easy. Wished I had asked for more.
Don't be afraid to ask for more than you think they'll give you. Good luck!
I have the understanding that other CCC will look at your limit before giving you a CLI, my biggest CL is 1k, would Walmart beat these?
I would shoot high like you guys say, 2 ks??? i have used and carried a balance the last 4 months, now its the first time I PIF. we will see.
Also Im not rich kid, im actually putting a lot of effort in paying them down
How do I check my utilization?