Originally Posted by
flyer4512
Not true............do you have real life experience to back that statement up ?
Yes I do with the FICO scores. On multiple occasions. FICO 08 has also been reversed engineered to the point where not much guess work is needed.
Originally Posted by
flyer4512
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
Pay attention. I was responding to
swy who asked if lowering limits on cards at banks
other than Chase will help with applications at Chase. Where is the controlled evidence that it will? If you lowered limits at other banks AND lowered limits at Chase, then there is no control for the data to address this inquiry.