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

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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.

Current Score: Mar 2019: EX FICO8 779, TU FICO8 800, EQ FICO 780, TU Vantage 773, EQ Vantage 786
AoOA: closed: 35 years, open: 24 years; AAoA: 11.8 years; Inquiries: 2019: 2, 2018: 3; No BK ever, 1 30 day late in 2013
Amex Gold, Amex Green, Amex Blue, Amex ED, Amex Delta Gold, Amex Hilton Surpass, BoA Platinum Plus, Chase Slate, Chase Amazon, Chase CSP, Sync Lowes, Sync JC Penney - total CL 129k
Loans: Prosper (20k/3yrs 7.14%), Lending Club (10k/3yrs 5.89%), Chase car loan (35k/6yrs 0.9%)
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