util factor in CLI

jcstarkey8826 · ‎01-03-2013

just wondering what my util should be under to ask for a CLI with WM. I've heard that on your fourth statement you can request one, but my util is around 65% ( I dont have a balance on the store card and not high balances on the CCs, but carry a balance on my kays card that brings it up)

Should under 50% be ok? or should I go lower?

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL

Anonymous · ‎01-03-2013

You're always better off lowering the Util as much as you can before asking for a CLI but honestly, if you're paying on time and there are no other negs you should be ok in getting at least a moderate bump from WM.

Best part of requesting a CLI with GE cards is it's a SOFT pull and if they deny you you'll get a letter with the reason(s) so you can fix the issues.

jcstarkey8826 · ‎01-03-2013

@Anonymous wrote:
You're always better off lowering the Util as much as you can before asking for a CLI but honestly, if you're paying on time and there are no other negs you should be ok in getting at least a moderate bump from WM.

Best part of requesting a CLI with GE cards is it's a SOFT pull and if they deny you you'll get a letter with the reason(s) so you can fix the issues.

yeah, I would love to pay the ring off, but with my toy limits and carrying a 2k balance on that card its messing with my util. Which is why i wanted to CLI my WM to help with that. The fact that it is a SP makes it a good option, I just didnt know how sensitive they were to util.

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL

creditnocash · ‎01-03-2013

i would ask for alot as from what i heard they counter.

not sure about the util questions since i asked for all my cli before christmas shopping...

Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23
Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0

2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

youngandcreditwrthy · ‎01-03-2013

WM gave me clis, and I kept it nearly maxed out the first year or two! Haha And I got the Discover upgrade and a $10,000 limit within theee years of having the account!!
Best of luck :-)

jcstarkey8826 · ‎01-04-2013

@youngandcreditwrthy wrote:
WM gave me clis, and I kept it nearly maxed out the first year or two! Haha And I got the Discover upgrade and a $10,000 limit within theee years of having the account!!
Best of luck :-)

WOW! thats impressive lol I bought a TV and paid it off. Then put a few items on the card, but dont currently carry a balance. I didnt know if they would look at overall util and just decline it for anything over a certain percentage. Im trying to CLI to help with util, these toy limits are driving me mad. Ive been patiently waiting for a year now and have made tons of progress, but no CLIs

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL

jsickz32 · ‎01-04-2013

877 379 8173 call this number and try.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

jcstarkey8826 · ‎01-04-2013

Just logged into WM to check on the card and saw they gave me an auto CLI!!!! only $200 bump to $800 CL now, but hey, I'll take it!!!!

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL

jsickz32 · ‎01-04-2013

Congrats!

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

chnceit · ‎01-04-2013

Congrats! But don't stop there, call WM and ask for a manual review to get a higher CLI! GE is great with this

Last Pulled EQ: 809
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Last CLI: 02/06/2016
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