Asked Discover for cli got a DECREASE!!

[Anonymous]

I guess my master plan did not work after all ! Ugh... i am on a 9 month olan to pay everything left (10k) to zero ... i guess in my haze i was trying to keep my score going up withboverall utilization by asking for an increase... i am at zero balance with discover now... doing the refi on my truck at 6 percent freed up 1200 month in oayments which i was splitting between credit card payments and extra payments on truck.... im on a patch to be debt free in 18 months from credits cards and car payments along with hospital bill EXCEPT for the new truck payment..

[Anonymous]

My actual intention of asking for an increase was tobstart closing 3 sub prime i have.... freaking 1st premier and milestone i want gone !

[SoCalifornia]

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@Anonymous wrote:
My actual intention of asking for an increase was tobstart closing 3 sub prime i have.... freaking 1st premier and milestone i want gone !

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So pay them off and close them 🤷🏽‍♂️

[M_Smart007]

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@SoCalifornia wrote:

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@Anonymous wrote:
My actual intention of asking for an increase was tobstart closing 3 sub prime i have.... freaking 1st premier and milestone i want gone !

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So pay them off and close them 🤷🏽‍♂️

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OP possibly may need them? for Utilization padding? ..for a short period of time.

[Anonymous]

They are paid off... But if close now it will drop my limits by another 1700 and disco just dropped me 2200... so not going 2 do that now for my overall...

[SoCalifornia]

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@M_Smart007 wrote:

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@SoCalifornia wrote:

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@Anonymous wrote:
My actual intention of asking for an increase was tobstart closing 3 sub prime i have.... freaking 1st premier and milestone i want gone !

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So pay them off and close them 🤷🏽‍♂️

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OP possibly may need them? for Utilization padding? ..for a short period of time.

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Possibly, agent 007. But OP claims almost 30k in overall credit, of which the debt to the tune of 22k needs to be paid off. $700 in utilz padding doesn't seem like a breaker, so long as OP isn't just skimming the interest. I would eliminate those two options maybe?

[SoCalifornia]

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@Anonymous wrote:
They are paid off... But if close now it will drop my limits by another 1700 and disco just dropped me 2200... so not going 2 do that now for my overall...

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I misread the combined limits of the two accounts. So sure, if they are paid off, no harm then. 

[HeavenOhio]

Once the OP has paid down his debt, his score will land in about the same spot no matter what his limits are. I'd go ahead and close the awful cards. They only add up to $700 in total limits.

[M_Smart007]

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@SoCalifornia wrote:

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@M_Smart007 wrote:

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@SoCalifornia wrote:

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@Anonymous wrote:
My actual intention of asking for an increase was tobstart closing 3 sub prime i have.... freaking 1st premier and milestone i want gone !

---

So pay them off and close them 🤷🏽‍♂️

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OP possibly may need them? for Utilization padding? ..for a short period of time.

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Possibly, agent 007. But OP claims almost 30k in overall credit, of which the debt to the time of 22k needs to be paid off. $700 in utilz padding doesn't seem like a breaker, so long as OP isn't just skimming the interest. I would eliminate those two options maybe?

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@SoCalifornia 

https://ficoforums.myfico.com/t5/Credit-Cards/Asked-Discover-for-cli-got-a-DECREASE/m-p/5774612#M1673956

Probably best to keep open for now..

[M_Smart007]

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@HeavenOhio wrote:

Once the OP has paid down his debt, his score will land in about the same spot no matter what his limits are. I'd go ahead and close the awful cards. They only add up to $700 in total limits.

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Heaven Help Us