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Util down but score did not change

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Anonymous
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Re: Util down but score did not change

It's generally not advised to request a CLI if your overall utilization OR the card you're looking to get a CLI on is at 50% or greater utilization. The chances of denial are not only greater, but also the chances of a favorable CLI (amount) diminishes quickly. Why get.a 20% increase (for example) now and have to wait another 6 months for more when you could take another 30-60 days to bring your utilization down and then get a (say) 40% CLI. Just something to keep in mind.
Message 11 of 11
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