Just got a Citibank Platinum Select Upromise card!!!! My limit..... $3200 bucks!!!!!!!!!!!!! When the heck did they pull my credit? I just dropped about 40 points due to utilization... My utilization will be fixed now as soon as the new credit cards start reporting new credit cards not reporting are: Amex $600 Citi- 1000 citi uppromise- 3200 Patelco- 3000 Now is the time for sock drawer for all the rest except 1. First National CC- 2500 Orchard 350 First Premier- 375 Plains- 350 CapitalOne Business- 300 Aspire- 300 FNB Marin- 400 Total Good cards- $10300 total decent cards (with first national) Total with bad is $12375 REVOLVING!! Amount Owed- 1480 on First National 394 on the citibank, 184 on first premier Total REAL utilization: 12375/2058= 17% Can't wait till they report..!!!! Now here is my question... should I do a balance transfer from my First National CC to Citibank? My utilization there is over 50% does that make a difference?
I should also add that I am done applying now... I have my amex and a couple decent prime cards... (still shocked)!! any recommendation on what to do with the other card where I have to pay monthly charges ect? Should I close them? They are not that old...
When I hit prime, I closed anything with a low limit and annual fee..............just sit back and let the good stuff age then....oh and a BIG CONGRATS!!!!!!
