5d • General discussion
the 30 second move that bumped my score 18 points
nobody talks about this but if you call your credit card company and ask for a CLI (credit limit increase) every 6 months, your utilization ratio drops automatic.
spent 30 seconds on the chase app yesterday. went from 4500 to 7000 limit. didn't change my spending. score moved 18 points.
works best with:
chase, amex, discover, capital one. they got soft pull options now so it don't even hurt your score to ask.
when's the last time you called for a CLI?
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the 30 second move that bumped my score 18 points
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