QS CLI

[Anonymous]

Next week I will reach 6 months from my last QS CLI. Currently i do have a balance on the card of about 1500 on a 3500 CLI. Should I hit the luv button before I pay the balance off or just wait an extra week make my payment and then request the CLI?

[Anonymous]

And btw no I haven't been carrying a balance and if a balance cuts it's under 400. I have put about 3k through the card this month alone and made a large payment about a week ago.

[Anonymous]

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@Anonymous wrote:
Next week I will reach 6 months from my last QS CLI. Currently i do have a balance on the card of about 1500 on a 3500 CLI. Should I hit the luv button before I pay the balance off or just wait an extra week make my payment and then request the CLI?

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Pay the balance, have your credit report updated when Cap One reports and then requestt it. They do soft pulls when you request a CLI so you want to be in the best shape possible.

[Anonymous]

As of right now I'm sitting at 11 percent utilization. Zero interest from Amex and my capital one balance. Waiting a month for the soft pull to pull capital ones change in balance would make that much of a difference? My Amex would only by maybe two or three hundred bucks wouldn't have a large impact on utilization, maybe one percent