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So I did a small app spree and here are my results.
CSP - Decline - Too High Utilization according to the rep
AMEX - BCP - Decline -Too High Utilization according to the rep
AMEX - PRG - Approved - NPSL
NFCU - Visa Sig Cash - Approved - 10k
NFCU - Navcheck - Approved - 5k
Discover IT - Approved 1k
Walmart Store Card - Approved - $900
DCCU LOC - Approved 1.5k
Banana Republic Store Card - Approved $400.00
How soon before I should ask for a CLI do you think?
No Baddies, High Utilization (45%), my cards didn't post new balance and I was ready to app lol. So I did, but next month UTIL will be around 1%.
Thanks Guys for all the info and help!
FICO?
and history?
Congrats on a successful spree!
@zerobacan wrote:FICO?
and history?
Fico - EQ - 620
Fako Exp - 640
Fako TU - 670
Only open accounts 3 Cap 1 - Total 8k CL
Thats it, nothing else! 0 Inquiries at the time.
Utilization was very high.
@civilitermortuse wrote:
@zerobacan wrote:FICO?
and history?
Fico - EQ - 620
Fako Exp - 640
Fako TU - 670
Only open accounts 3 Cap 1 - Total 8k CL
Thats it, nothing else! 0 Inquiries at the time.
Utilization was very high.
CONGRATS on your approvals but why would you app for so many cards with very high util???
@LS2982 wrote:
@civilitermortuse wrote:
@zerobacan wrote:FICO?
and history?
Fico - EQ - 620
Fako Exp - 640
Fako TU - 670
Only open accounts 3 Cap 1 - Total 8k CL
Thats it, nothing else! 0 Inquiries at the time.
Utilization was very high.
CONGRATS on your approvals but why would you app for so many cards with very high util???
To go deeper into debt
.....and, it seems that if he has planned on getting his utilization down to 1% in the next month, why app now? Why not wait to app and maybe there would not have been any declines and most likely could have gotten higher CL's?
@racer-x wrote:.....and, it seems that if he has planned on getting his utilization down to 1% in the next month, why app now? Why not wait to app and maybe there would not have been any declines and most likely could have gotten higher CL's?
+1 for sure... But none the less, congrats on the approvals!