What was your UTL when approved for Duck/Beaver?

[FinStar]

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@lhcole77 wrote:

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@FinStar wrote:

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@lhcole77 wrote:

@Anonymous: I'm going to pull my EQ FICO the first week of December to see where I stand. Then I'll make a decision from there. Thanks for the input.

@Fin: I've got my Beaver pants at the ready...they're just waiting for me to put them on and do the beaver dance when/if I apply and get approved.

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Well, in honor for choosing the Beaver card, I'm going to wear orange as well.  Although, it may clash with December's traditional festive colors but it's all good    I'm hoping those scores will be in your comfort zone to make the jump - and I will understand if there's more "marinating" to do.  We NEED another Beaver success story! 

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Pulled my EQ score just now.....I'm sitting at 722 with 24% UTL

Newest account is 5 months old and only INQ hits the 6 month mark on December 13.

I'd really like to have <20% UTL with score >740 when I apply.

Thoughts.....

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IMHO, I'm thinking anywhere after December 13, it can be doable.  Your scores are above 720 and overall utilization is not exteremely high (it's within the 30% range).  What's the oldest TL on your EQ and overall AAoA?

[lhcole77]

Fin: oldest TL is 11Y2M, AAoA is 3Y2M, oldest revolver is 2Y.

Two Amex, Citi opened in June. Barclays opened in July.

edit: typo

[missjae]

I think I was about 5% overall utl. I received a 15K limit....My highest reporting limit was 5K and only a couple months old....they are generous!

[B335is]

Your AAoA is a bit longer than mine was, but my util was low - like 2%.  Since you've been waiting the last few weeks, you might as well wait for your util to update.