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i would definitely if usage is over 88%.
I would probably over 50%
I'd likely only keep if usage was less than 28%
Drop it. You have 2 great cards to set the foundation of what we all have to do after lightning strikes. It's called Rebuild. Let those cards age and then start looking again in 6 months for the 3rd card which is best for FICO scoring. Once dropped you will have a thin file and some lenders like that and will approve you. Dont go app crazy. Take it slow. As the saying goes. Rome wasnt built overnight,
@biglista88 wrote:
Thanks! I will most like remove myself. The usage is around 86%. But it’s my only current positive revolving account payment history until my 2 new cards begin reporting.
Maybe wait to remove until the new start reporting.
@biglista88 wrote:
I’ve decided to keep myself on as an AU on both cards until I’m ready to apply for discover in 6 months. The primary card holder makes about 1k payments monthly to the debts , never late in 8 years. But primarily bc I will be less likely to frivolously apply prematurely for anything while I know my scores are temporarily lowered by the UTL on those cards. So they shall stay until I’m truly ready to app in 6 months.
By the way creditslog, did your new Citi card report yet? I see my statement closing date is 11/14 so I’m assuming mine will report a couple days or so after that.
I’m expecting it to arrive Monday or Tuesday. I really wanted to use it for a nice 50% UTL dental purchase Monday morning, so I’m a little sad. I like to train them with a big initial purchase.