Shopping cart trick...?

[Anonymous]

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@Shellie wrote:

Oh my gosh! I'm a little speachless!!  I just tried for the heck of it and low and behold it worked!  Got approved for a $500 CL!!  Will this $500 go in towards my utilization? Including this card I will have 3 with a $500 CL.

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Yes, it will count towards UTI.  Congrats!

[EaglesFan2006]

Interesting...do those cards end up reporting to the bureaus, even if you don't use them?  Too bad I don't use any of those stores!

[EaglesFan2006]

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@Anonymous wrote:

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@Shellie wrote:

Oh my gosh! I'm a little speachless!!  I just tried for the heck of it and low and behold it worked!  Got approved for a $500 CL!!  Will this $500 go in towards my utilization? Including this card I will have 3 with a $500 CL.

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Yes, it will count towards UTI.  Congrats!

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Guess that answered my above question.

[injustifiiable]

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@EaglesFan2006 wrote:

Interesting...do those cards end up reporting to the bureaus, even if you don't use them?  Too bad I don't use any of those stores!

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In my case:

I have 5 Comenity cards. I only 2 of them on a regular basis. The 3 I don't use reported only once since I've got them (since Comenity doesn't generate an invoice when there's a zero balance)

The $0 balances count towards the utilization percentage though.

[recordaras]

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@EaglesFan2006 wrote:

Interesting...do those cards end up reporting to the bureaus, even if you don't use them?  Too bad I don't use any of those stores!

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They do! A Comenity OneStopPlus was my first non-secured card. I've never used it (I'm not plus sized), but it was the only one I could get to show up at the time and I was desperate, lol.

Recently got a CLI from $500 to $900, even though it's been SD'ed since 2011.

[Shellie]

Thanks! I had all my cards down to $0 or less than $20 but I used one this month and now it carries a high balance.  I will have it paid off in July tho so I'm not too worried.  It does seem like your score is one-step forward two steps backwards tho.  So I'm hoping that if that card reports a high balance before I can pay it back down that it wont do too much damage that it won't jump back up after the balance goes back down.

[Anonymous]

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@Shellie wrote:

Thanks! I had all my cards down to $0 or less than $20 but I used one this month and now it carries a high balance.  I will have it paid off in July tho so I'm not too worried.  It does seem like your score is one-step forward two steps backwards tho.  So I'm hoping that if that card reports a high balance before I can pay it back down that it wont do too much damage that it won't jump back up after the balance goes back down.

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Your score will vary each month depending on your reported UTI for that month.  Not a big deal to carry balances if you don't plan to app...other than paying the high interest.

[john398]

Does anyone know which Visa or MC the shopping trick works on from Commedity? so far I only know of one

[Shellie]

I am shooting for fall to start the home buying process.  I still have a state tax lien I have to take care of, along with a few other medicals.  There are also a few things set to fall off over the next 6 months. 

[Anonymous]

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@Shellie wrote:

I am shooting for fall to start the home buying process.  I still have a state tax lien I have to take care of, along with a few other medicals.  There are also a few things set to fall off over the next 6 months. 

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Most would recommend no inquiries or new accounts 6-12 months before apping for a mortgage, so if I were you I'd manage to get rid of the baddies and take good care of current accounts.