@Appleman wrote:
Do not BT 100% of your credit line!
1. It will likely spook Barclay
2. It will crush your score. Anything over 90% is considered maxxed.
Try to keep that utilization below 30% of the new card - $1,800. At least that would be my suggestion.
Thanks Appleman. Yes, I'm only transferring my high interest AMEX Delta card, which is only $1,400. I couldn't transfer my BC Apple card to this one as BC doesn't allow BC to BC transfers. Question, could I call BC analyst and ask them to use my approval for this card to see if my current account can receive a CLI? I've not asked for a CLI in over a year with BC because of the HP. Would they be able to use the pull from this approval?
Starting EQ: 601 | EXP: 623 | TU: 637 (2/17)
Update 4/18/20: Current EQ: 760 | EXP: 708 | TU: 724
Goal EQ: 750 | EXP: 750 | TU: 750 (12/17)
Credit Card Debt Free Goal: March 2018
*NEW* Chase Sapphire Preferred $0 ($17,600) 4/18/20 | Chase Freedom Unlimited $0 ($5,500) | Chase Slate $0 ($2,100) | PNC Visa $11,100 ($12,500) | Citi Costco $0 ($5,500) | Citi Simplicity $0 ($2,700) | Discover It $0 ($8,000) | Barclay Card NFL Extra Points $0 ($12,000) | Marvel Mastercard $0 ($6,000) | Nordstrom Visa $0 ($17,000) | American Express Every Day $0 ($3,000) | Bayport Credit Union $6,876 ($7,500) | American Express Delta $700 ($12,000) | Macy's $601 ($5,000) | JC Penney $0 ($3,500) | Synchrony Amazon $2,728.40 ($6,500)
