should i ask for cli after pif or before?

[oneloveforall_2000]

I have a brandsmart card cl 4200 i used 1800 of it, i paid it off this month but it's not updated yet with them, should i ask for cli now or wait until balance show 0?

[Anonymous]

can you call their personal 1 800 number and see if it's updated thru them that way or on the website. No matter what- make sure the payment posts and then I would ask.

[oneloveforall_2000]

they haven't received it yet.

[Anonymous]

When did you pay? If you can set up online payments they really are great and expiditious.

[Anonymous]

Can only improve your credit ultil% if you wait. I was in the same situation with three of my cards and waited until the ultil% was about 1% before I started asking for CLI, and applied for 2 new cards and it paid off big time. Better safe than sorry.

[Anonymous]

Utilization affects likelihood of CLI?  It makes sense.  It's just funny all the people I speak to who are already maxed out that ask for a CLI and get approved.

[haulingthescoreup]

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@Anonymous wrote:

Utilization affects likelihood of CLI? It makes sense. It's just funny all the people I speak to who are already maxed out that ask for a CLI and get approved.

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I don't get that either!

I was told by a Citi CRS that at first I hadn't used my card enough for a CLI, but then he saw where I had charged about 50% of my CL, and he perked up. It wasn't util as we define it (the figure reported to the CRA's, generally the statement balance. He was looking at total charges I had put on the card.

So for a CLI from Citi, they want to see actual usage, even if immediately paid off.

[Anonymous]

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@Anonymous wrote:

Utilization affects likelihood of CLI? It makes sense. It's just funny all the people I speak to who are already maxed out that ask for a CLI and get approved.

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I just said it couldn't hurt you. I see people all the time at 60-90% getting CLI's, but if she gets it down it could get her a bigger CLI.