Trying to Decrease Utilization

[parakleet]

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@terren2000 wrote:

Is it better to apply with an Agent or online application?

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Personally, I don't think it matters since it's still going to cost you another HP for the recon. It's not like the Agent makes the initial determination of the approval or the CL. 

[terren2000]

thanks.

[terren2000]

I applied, received this.  Good or Bad?

"Thank you for applying. Your application requires further review before making a decision."

[enharu]

It just means the app is pending. You can call recon now to see if they are willing to process the app over the phone.

I wouldn't recommend applying for any sort of credit with such high balances, but since it's already done, best of luck with reconsideration.

[Pat94108]

Let us know what happens. Really curious to know if you were extended credit with your high balances.

[terren2000]

Im on the phone with recon now.

They said my monthly bills was $1900.  Fico is telling them Im paying on student loans, which are all in deferment.

I knew there was a reason I kept getting denied Credit Line increases.

[terren2000]

They saying I owe too much money.  Shes updating everything now, and reconsidering.

[terren2000]

Got approved for $800.

Now being transferred for increase,

[09Lexie]

Good luck. Reemphasize SL deferment.

[terren2000]

^^

Denied increase.  But got the card at $800.

The lady for recon was much sweeter then the increase guy.  But hey its a start.  They said I can ask for an increase at anytime how many times I want.  Cant really transfer much on it. At least it increases my utilization.