A question about utilization.

[Anonymous]

Let's say I'm looking for an credit limit increase on one of my cards (Apple Card). My current utilization is 35% on that card. But on all my other cards the utilization averages to about 9%.

Would they take information from all cards combined or only take information from my apple card?

[Anonymous]

They will evaluate your entire credit profile and your relationship with the FI when evaluating a CLI. Goldman Sachs tends to like heavy use of the Apple card and PIF, but the rest of your credit profile can affect the decision as well.

[gdale6]

Fico calculates score taking the aggregate overall util and each individual accounts percentage of use into consideration.

[folks19]

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@Anonymous wrote:

Let's say I'm looking for an credit limit increase on one of my cards (Apple Card). My current utilization is 35% on that card. But on all my other cards the utilization averages to about 9%.

Would they take information from all cards combined or only take information from my apple card?

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They both matter when calculating you FICO score, but you probably have a better chance getting a CLI when you have higher spend on that card and pay in full. Banks make money from the transaction fees each time you use your card, and if you are spending a lot on your card, they are more likely to give you more spending power as long as you don't pose a high risk to thek (by not paying).