Overall UTL when app'ed for CU CCs

[lhcole77]

I'm looking to add two new cards with my CUs. Here's my question: Will an overall UTL at time of app of ~24 -25% with 720+ scores across all three FICOs hurt my chances of getting decent CL and/or terms? I know this is a YMMV but I'd like to hear people's experience.

Ideally I want my UTL lower than that BUT I had to take on some extra, unforseen expenses that won't be paid off for a bit. Thanks in advance for feedback.

My profile when I app will be:

Scores: 720+

INQ (w/in a year): 0

Baddies: 0

AAoA: 43 mo

New accounts in year: 0

UTL: ~24-25%

[CAnNY]

You'll be fine. 

[tcbofade]

You'll be fine x 2

My util hovers around 50%, and so long as my TU score is over 680 or so, I've got three CU's that will do pretty much anything I ask for. 

[B335is]

I think youre fine. I always get denied for new accounts (25% util is a bit high, but ive found CUs to be more sensitive to new accounts) and you've been good for a year. Goodluck!

[takeshi74]

---

@lhcole77 wrote:

Will an overall UTL at time of app of ~24 -25% with 720+ scores across all three FICOs hurt my chances of getting decent CL and/or terms?

---

Might not "hurt" but lower utilization could lead to better CL's and terms.  Keep in mind that while 30% is the generally recommended max ideal is typically much lower and around 10% or less.

[lhcole77]

Thanks everyone for feedback!