Told me I was using 80% of my available credit and it finally clicked why my score was stuck

3 comments

3 Comments

Have you tried asking for a credit limit increase on your card? I did that a couple months back and it dropped my utilization from like 70% down to 30% without me changing my spending at all. Just a quick phone call and they bumped it up. Also, you can pay your balance down before the statement closes instead of waiting for the due date. That's what finally got my score moving. What's your limit right now?

the_lisa1mo ago

Laughing at myself for never thinking of the pay before the statement closes trick. I've been running around like a headless chicken checking my credit karma every morning when the real magic was just... timing my payments right. My limit is embarrassingly low, like $500 on a card I've had since college because I was too scared to ask for more. Might just call them today and see what happens, worst they can say is no right? Or laugh at me. But honestly at this point I'll take the embarrassment if it means my score stops living in the 600s.

vera_robinson361mo ago

$500 is rough but calling them is free and they literally never laugh at people (they hear way dumber requests all day).