Originally Posted by flyer4512

Yea..............in real life it doesn't work that way........Do you even churn heavy? Not true............do you have real life experience to back that statement up? My facts show the only difference lowering credit limits make ( on cards you don't use) is instant approval.................my last ~25 apps were all instant approval and I lower my CL to $2k on every card I get ( over 20 in the past 2 years) after I make the spend