MemberSince99 wrote:So you think that 25% is high utilization? By what standard? I don't consider it high or a problem, as long as you don't have issues with it. Especially as you mention low limits, I mean if you owe 500 on 2k, well I find it hard to imagine too many people are going to consider that a lot of debt.
I wouldn't take hard pulls to try to increase the limits. I would say the version you want is tougher to get and you might not get it (The world Elite version). I had the world and they didn't upgrade me to Elite but it's case by case just warning you that you might not get it. Or you might and you might be surprised. It's hard to know.
Anyway I don't see 25% as high, and I don't suggest getting hard pulls before applying. Maybe just app and see what happens. Worst that can happen is you get a hard pull for nothing. You can recon with them as well.
Lol, I don't think 25% is necessarily high utilization. The moderator appended that to my original title, which wasn't very descriptive. I'll point out though that my utilization is 25% out of $4,500.
But I'm inclined to agree with you on just going ahead an applying for the card now. I have three hard pulls on my credit currently. Don't want to rack up more, especially right before a credit card app.
What does the recon process entail? Does that involve a hard pull?