I recently paid down my walmart card only left 100 balance. my limit was 300. havent used it since January so my limit is now 190. I recently got approved for a chase unlimited for 500 and got a cl increase on nordstrom 1000 so 3000 limit total. dont understand them but not surprised because last year Amazon did the same. 
wondering if i should close it but people say dont close cards because it hurts your score. Any ideas should i pay it down and let it close on its own or should i charge something once and a while. i have 4 collections and lowering my balances are my last steps to clean up my score. but i got my chase card even if its just 500
@ average Joe my Fico is 597 I just got my chase card so it went down about 10 or more points. My utelization was high but I took the money I received from taxes and paid it down. My utelization has been high for a while
@ allottacards okay I will keep it open will work on paying the balance off in a couple of months I guess worst case I can use it at Sam’s. I got 0 percent interest on chase for 15 months
Its Ok Sparklerd34, congrats on getting a Chase card
. Remember utilization has no memory so as you pay down your cards, your score will rise. Eventually Sync will let you back in good graces. As your TU rises so should your opportunity to get higher limits.
. Remember utilization has no memory so as you pay down your cards, your score will rise. Eventually Sync will let you back in good graces. As your TU rises so should your opportunity to get higher limits.
Thank you average joe and allotacards for the good advice. Going to keep working on my balances and few collections i have left. I appreciate the advise. I have some store cards that really dont get used any more because i opened them in the beginning. Comenity cards like overstock will eventually be closed have a 100 dollars to go and im sure by next year they just might close it for no activity.
