DebtFreeIn04

Oh and I might have been thinking that nfcu might be easy way to increase overall credit limit thus decrease utilization. Maybe just slamming my debt would be better option. 🤔

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I guess I was thinking by January or so they might ave decent bal txr offer. Quick update: all cards are below 88% utilization, most are below 68%, many are below 49$ and 4 have zero balances. Overall utilization down to 58%. Waiting for the last card to report below 89%. Thinking of requesting cli on one of amex cards. 2 of 3 amex are zero balance 1 amex at 48%. Any downside to amex cli request at this point?

No CLD's yet.

Hit the button Heg. "Not this time." Try again every month? Just fyi TU FICO 8 = 676 , EX =;670

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That's right Shifter. Currently overall 61%. I'll likely wait until overall is under 50%. When I get under 50% overall (in about 3 months, any issues with 1 or 2 accounts being 60 to 70% utilization?

As a general rule what would the highest overall and individual utilization rate be before you would request a cc cli, and reasonably expect success. Are there some cards easier than others? Would prefer without hard pull. Goal: to help my overall utilization. My card list AMEX BBVA Cap1 USAA BofA Discover Synch/Marvel Lowe's Home Depot

Thanks IvyM! No previous BK's. By January and beyond my CC utilization overall should be below 50%, and most under 30% if not 0 balance

Woohoooo NFCU membership welcome email today. Opened savings account. Will look for balance txr card offer beginning of 2021.

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Thanks CV! we had some things come up that caused the high utilization over the last couple year, which are mostly behind us. Looking forward to .02% to 9 % utilization soon!

Hey CV Currently 0 lates, 62% cc utilization, 1 - 6 1/2 yr old collection, 0 inquiries. TU 676, EX 670 both fico 8. I was thinking about something to lower my cc utilization while I pay down the cards. Will be looking at 0% balance txr in the future when the individual and overall utilization is "right."

Currently paying off some debt. Question! I'm eligible to join NFCU, should I join now, to leverage possible future credit products, or wait for the following which I should be able to accomplish over the next 6 months. Next 6 months 1.) All cards (5 of 12) under 90% utilization, 5 zero balance. 2.) Overall CC utilization under 50% Or wait for the following? Within 12 months should be able to accomplish the following: 1.) All cards (12) 35% to 40% utilization, with about 8 to10 cards zero balance. So in short get foot in the door now with NFCU or wait a year+?