Thinking of pulling the trigger for Discover IT

[kevinjjc]

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@Trigga wrote:

With my other cards there limits are low so my total over all useage is %50 

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What other credit cards do you have?

[eviLution]

Time to put in some OT at work. Lol

[Trigga]

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@kevinjjc wrote:

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What other credit cards do you have?

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@I have 1 cap one card small CL also a Householdbank card that is converting to Capone and lastly a Amazon card with a 2200 CL , total over all useage is @ 50% ! 

[kevinjjc]

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@Trigga wrote:

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@kevinjjc wrote:

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What other credit cards do you have?

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@I have 1 cap one card small CL also a Householdbank card that is converting to Capone and lastly a Amazon card with a 2200 CL , total over all useage is @ 50% ! 

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Is that the Amazon store card or the Amazon Visa? If it's the Amazon store card, you should request a CLI since it's backed by GECRB and they are soft CLI's. Do the same for your Walmart card, which is also GECRB. This and paying your balances down will help with your high utilization.

[Trigga]

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@kevinjjc wrote:

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@Trigga wrote:

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@kevinjjc wrote:

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What other credit cards do you have?

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@I have 1 cap one card small CL also a Householdbank card that is converting to Capone and lastly a Amazon card with a 2200 CL , total over all useage is @ 50% ! 

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Is that the Amazon store card or the Amazon Visa? If it's the Amazon store card, you should request a CLI since it's backed by GECRB and they are soft CLI's. Do the same for your Walmart card, which is also GECRB. This and paying your balances down will help with your high utilization.

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Its the store card i got a CLI about 2 months ago on both Walmart and Amazon , i hit the love button but it was a no go im sure ill have to wait for another ??

[kevinjjc]

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@Trigga wrote:

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@kevinjjc wrote:

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@Trigga wrote:

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@kevinjjc wrote:

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What other credit cards do you have?

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@I have 1 cap one card small CL also a Householdbank card that is converting to Capone and lastly a Amazon card with a 2200 CL , total over all useage is @ 50% ! 

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Is that the Amazon store card or the Amazon Visa? If it's the Amazon store card, you should request a CLI since it's backed by GECRB and they are soft CLI's. Do the same for your Walmart card, which is also GECRB. This and paying your balances down will help with your high utilization.

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Its the store card i got a CLI about 2 months ago on both Walmart and Amazon , i hit the love button but it was a no go im sure ill have to wait for another ??

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Call their backdoor # aka credit solutions. IMO, it's better to call after hours so you get a rep from overseas. Try now!

[Trigga]

Called and asked for 5k limit got 800  so now its sitting @3k limit . Not sure if i should try for CLI on Walmart also since i have it almost to the max atm .

[kevinjjc]

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@Trigga wrote:

@Called and asked for 5k limit got 800  so now its sitting @3k limit . Not sure if i should try for CLI on Walmart also since i have it almost to the max atm .

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Go for it!! It will be a soft pull, so no big deal if they don't give you a CLI.

[Trigga]

Called and it was a no go oh well 1 out of 2 not bad i suppose lol !

[FinStar]

I think this is a sign that points to getting that utilization under control by paying those balances down/off.  The main rule of thumb when it comes to new credit is to manage what you currently have before new TLs are extended.  Often times, if your utilization is high, simply increasing your limits may lead to more spending and without sensible discipline and the income to back it up can only lead to overextension.