has anyone

[elixerin]

has anyone ever actually apped and got a decent approval or CLI on or near 100% UTI?

maybe a thick file?

im seeing approval threads of individuals at like 90%+ and im surprised😂

[Brian_Earl_Spilner]

Yes. My oldest account is 21 years. You shouldn't be surprised. A strong or thick enough profile will make the score not as important.

[Shooting-For-800]

I got $2500 cli on PenFed card that was almost max out (BT)

They also gave me a 12k SL on another card same day and

another 20k SL on additional card few months later.

[Iusedtolurk]

---

@elixerin wrote:

has anyone ever actually apped and got a decent approval or CLI on or near 100% UTI?

maybe a thick file?

im seeing approval threads of individuals at like 90%+ and im surprised😂

---

With a aggregate of 56% I received 2 new cards.

With an individual utilization of 75% on 2 cards I received 2 decent cli.

I have 14 accounts but 12 are less than 2 years old. (8 over a year and 4 under).

I started my credit improvement journey 2 years ago and decided to take all my hits early so by the end of this year Most of my accounts will be over 2 years old and most of my inquiries will be gone.

I have put an average of 140 points across the board across all bureaus in that time. My goal in early 2021 is 740+.

[Anonymous]

I have had multiple AUTO CLI on cards that were near or maxed

Also sp CLI near max, 88%

Not anymore, but I used to max out cards for the purpose of showing the highest limit used on CR

cant do that with $10k+ limits...it would be very hard to do LOL

[elixerin]

thanks for the replies all, that's actually rather endearing to hear.. i have this alarm in my head that im always in for an instant denial of credit related items above 30-35 UTI

every profile is different ofcourse, profile age seems to weigh out UTI later on, sometimes i forget someone with an aged 70% UTI will be at the same 720 score i am at with my short credit age and AZEO

Really puts perspective  

[CreditCrusader]

This one is big time YMMV.

My first credit card was Key Bank in the 90s. It had a $1,500 limit...and I carried a high balance for several months before asking for a CLI. The rep told me that she would bump up the limit once I paid the account in full. I did. She doubled the limit immediately.

I have found many prime lenders follow that pattern (use, PIF) circa 2020. However, sub-prime lenders are a crapshoot. For example, WayFair (Comenity) LOVES big usage and will often bump up the limit early and often if a user is buying and in the process of paying things off. DW has a Wayfair card that began an initial $4,000 CL. She used it for home improvement (charged about $3,000, 12 months, no interest)...and after making the first payment, hit the luv button and they bumped her to $7,000.

In sum, it depends on the lender and file. I know that sounds like a generic response, but it's mostly true.