No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
So I went on a huge app spree back in December/January where I opened 8 new accts and a LOC. I increased my overall CL to $70K from $15K. My overall UTI was cut from 60% to 22%. I haven't seen my score drop, as I know that usually happens when you open new accts. Could this be due to the increase in CL and lowered UTI??
An app spree produces short-term negatives such as hard pulls, new TLs, lowered AAoA, and so on.
It may produce positives like lowered utilization.
It's possible that lowered utilization will more than offset the negatives.