Time for CLI request with GE Care Credit?

[navistar]

I have been waiting and trying to get my utilization down but money is a little tight until August. The Care credit card has a zero balance but i still have 55% on other cards. I mainly want to do this in hopes of getting my utilization to look better for sallie mae card. Care card is 1 year old this month and my last inquiry was getting this card May 2013. More info in my sig.

[gdale6]

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@navistar wrote:

I have been waiting and trying to get my utilization down but money is a little tight until August. The Care credit card has a zero balance but i still have 55% on other cards. I mainly want to do this in hopes of getting my utilization to look better for sallie mae card. Care card is 1 year old this month and my last inquiry was getting this card May 2013. More info in my sig.

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It will be a HP with this card, I might try to get CLIs on the rest of my cards first.

[navistar]

already have

Edit: it also bothers me because its my lowest limit. lol.    Im willing to take the HP hit if i think it will be a success. Not worth $500 but it is worth $5000

[gdale6]

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@navistar wrote:

already have

Edit: it also bothers me because its my lowest limit. lol.    Im willing to take the HP hit if i think it will be a success. Not worth $500 but it is worth $5000

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Ok I would call Credit Solutions directly and ask for 10K.

[Creditaddict]

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@navistar wrote:

I have been waiting and trying to get my utilization down but money is a little tight until August. The Care credit card has a zero balance but i still have 55% on other cards. I mainly want to do this in hopes of getting my utilization to look better for sallie mae card. Care card is 1 year old this month and my last inquiry was getting this card May 2013. More info in my sig.

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With carecredit you don't need to call credit solutions and you can use the automated system and ask for $20k, it will probably tell you to write down this code and transfer you to a rep (that is okay, do that) the system will come back with a counter instantly when on the phone with the rep.

My partner went from $800 to $12k on a counter from $20k.

[navistar]

i remember you sayin that before but i dont think you ever commented on his/her credit report. Were they much better off than me?

I know this seems trivial but i want to use 2 hard pulls and 2 pulls only this year because my next inquiry will be a mortgage next year. I only want the limit higher on care credit and one more card but if i need to wait 3 months i suppose i can (will get a large bonus to pay off util).

[navistar]

credit addict, you here? I think everytime i ask you the question about your friends credit you disappear. lol

[Creditaddict]

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@navistar wrote:

credit addict, you here? I think everytime i ask you the question about your friends credit you disappear. lol

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my partners credit I would say is better.... he has multiple $25k+ lines but he does have a decent debt load although consolidated down on 2 navy cards which is when the cli happened... his overall util is low with very high util. on the cards carrying the balacnes.

if you have used the card in the past and you are at a year now I think you are prime for some good cli luv despite other util.

[navistar]

i put 700 on it and paid it before interest hit

[Creditaddict]

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@navistar wrote:

i put 700 on it and paid it before interest hit

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as long as you are 1 year out from house buying im not sure why you are concerned about only having 2 hp's. I would go ahead and do it now.