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How long to wait after paying down cards to apply for new ones?

FlaDude
Established Contributor

Re: How long to wait after paying down cards to apply for new ones?


@Caardvark wrote:

 

On a related note, do not be surprised if some of your current creditors balance chase you. If you've been at 100% util for a year, that is a very real possibility.


It's always hard to say. I had a Chase card (~10k CL) that was at 95%+ for years, I BT'ed the balance away from it and they gave me an unrequested 3k CLI when the balance was zero.

Scores: March 21 FICO 8: EX 810, TU 808, EQ 813
AoOA: closed: 36 years, open: 25 years; AAoA: 11.8 years
Amex Gold, Amex Green, Amex Blue, Amex ED, Amex Delta Gold, Amex Hilton Surpass, BoA Platinum Plus, Chase Freedom Unlimited, Chase Amazon, Chase CSP, Chase United Explorer, Citi AA Plat, Sync Lowes, Sync JC Penney - total CL 145k
Loans: Chase car loan (35k/6yrs 0.9%)
Message 11 of 11
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