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After getting cards paid off...

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Regular Contributor

After getting cards paid off...

So getting a few cards paid off that have been almost maxed for about 6mos.

 

How long would it take for a company like say Capital One, Merrit, Discover It to possibly offer another cli if any?

 

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Valued Contributor

Re: After getting cards paid off...

Depends....  Let the updated UTIL report and then wait for each of them to update your SP data.  Cap1 every 6 months, Disco can be every day if you wanted to, not sure about Merritt.

500K+ TCL / 800+ FCOs
Message 2 of 4
Community Leader
Super Contributor

Re: After getting cards paid off...

Cap1 wants 3 months of high usage and payments, but have been known to give a CLI right after paying off a card. Disco has been known to also throw a CLI after paying off a card within a month or two.







Message 3 of 4
Community Leader
Super Contributor

Re: After getting cards paid off...


@Carloscda40 wrote:

So getting a few cards paid off that have been almost maxed for about 6mos.

 

How long would it take for a company like say Capital One, Merrit, Discover It to possibly offer another cli if any?

 


It really depends on your overall credit profile, not just UT.

REVISED GOAL: Garden ‘til Dec 2020 — 0 inquiries

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DEC 2019: EX 816, TU 820, EQ 810
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