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Best card to pad utilization?

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Established Member

Best card to pad utilization?

My best SL to date has been for 30K w Navy. What other credit unions/banks provide the best SLs?

 

Message 1 of 13
12 REPLIES 12
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Valued Contributor

Re: Best card to pad utilization?

SL would depend on a lot Of factors. FICO score, Credit Profile, Income & DTI, Relationship, etc.... 

CSP, Amex, BoA, citi co-branded (Costco, AAdvantage) to name a few have been reported to give out very good SLs as long as profile supports it.

BK7 dc in 01/2011 with FICO8 in the 500s

New cc TLs : 1/6 ; 1/12 ; 2/24
HPs EX 2 EQ 2 TU 1
AAoA 5y4m
UTIL 1% - 3%

$220K+ Total Limits










Message 2 of 13
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Super Contributor

Re: Best card to pad utilization?

If it's honestly just for padding, go for a Lowe's card... they grow quickly!



10/30/20 Mortgage scores: EX2 738, EQ5 724, TU4 no idea.
11/01/20 Fico 8: EX 754, EQ 752, TU 765.
11/04/20 Fico 9: EX 713, EQ 720, TU no idea...

Zero percent financing is where the devil lives...
Sitting in the garden behaving myself. #noinqs2020
Message 3 of 13
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Epic Contributor

Re: Best card to pad utilization?


@tcbofade wrote:

If it's honestly just for padding, go for a Lowe's card... they grow quickly!


+1

Even if they dont start you out at a high SL, I sure have seen a lot of $35K SL's

Message 4 of 13
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Community Leader
Mega Contributor

Re: Best card to pad utilization?

Get a Care Credit or Navy Cloc. Most people dont use them but can get 15-20k padding lolSmiley Wink
Message 5 of 13
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Super Contributor

Re: Best card to pad utilization?


@AverageJoesCredit wrote:
Get a Care Credit or Navy Cloc. Most people dont use them but can get 15-20k padding lolSmiley Wink

I would get the Care Credit. 

 

Navy limits are too precious to waste on CLOC. 




Message 6 of 13
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Community Leader
Mega Contributor

Re: Best card to pad utilization?

Lol, why i havent tried for cloc , though i highly doubt i could get more than i have right now anywaySmiley Wink
Message 7 of 13
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Super Contributor

Re: Best card to pad utilization?


@AverageJoesCredit wrote:
Lol, why i havent tried for cloc , though i highly doubt i could get more than i have right now anywaySmiley Wink

I got a $500 one when I was thinking about moving my banking to NFCU which would have been plenty for credit card minimums but I ultimately decided to just stick with my bank so I may close it some day since it brings down my average revolving limit. 




Message 8 of 13
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Established Member

Re: Best card to pad utilization?

Good to know about the Lowe's! Thing is, my score will take a hit once a couple of BTs show, so I might have a hard time getting any CLIs a few months from now, atleast until those balances get paid down. 

 

@ averageJoe Navy has been good to me. I started w a 10K Amex 18-months ago and now have both that and the Platinum at 30K. I'm considering applying for a third but skeptical they'd offer me more, considering I already have a large 0%APR balance on the Plat. Current TU/EQ took a huge hit down to 680 from 805 after transfering that balance. 

 

 

 

 

Message 9 of 13
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Established Member

Re: Best card to pad utilization?

Went for the Lowe's and received only 1K...lol. Any point to calling in a recon? Suppose it can't hurt

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