Anything fun I can do now that my FICO scores have exceeded 810?

[JNesbit89]

My Experian finally updated; I am at 816. And my Equifaq one is 826. Idk what the final one is.

But should I do anything? Maybe ask for a credit limit increase or get a new card?

[SouthJamaica]

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@JNesbit89 wrote:

My Experian finally updated; I am at 816. And my Equifaq one is 826. Idk what the final one is.

But should I do anything? Maybe ask for a credit limit increase or get a new card?

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Congratulations.

Well there's never any harm in asking for a soft pull CLI.

As to getting a new card, it will of course ding your scores. So it depends on what your idea of fun is

[keekers]

Congrats! I dream of hitting the 800 club one day.

[JNesbit89]

Thank you! I wasn't sure how much of a ding it would be. Is it a larger ding or smaller ding the better the score, or varies? I am with Citi bank I believe there is a way to check if they do a soft or hard pull..

[FlaDude]

I know some people request CLIs for sport. I'm a bit guilty myself, although a lot of my attempts were when I was carrying some pretty serious balances and could have really used them to improve my UTI/scores at the time. No harm in trying SP CLI requests but if it is not going to change your UTI, it is just for fun.

[Jordan23ww]

Congratulations on your 800 plus scores!  You can always go for some soft pull limit increases if you like. Going for new cards is an option too, just know there's a chance your scores may dip a little. I found once I got over  800 on Experian that score didn't move too much when adding a new card. Plus I'd usually regain the lost points within 2 to 3 months. 

[Thomas_Thumb]

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@JNesbit89 wrote:

My Experian finally updated; I am at 816. And my Equifaq one is 826. Idk what the final one is.

But should I do anything? Maybe ask for a credit limit increase or get a new card?

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Congratulations, I know nothing about your credit file or what you consider important. Therefore, hard to give advice. 

I did the CLI thing for three years - both SP and HP. The 2 EQ and 1 TU HPs only had a trivial impact on score. It was fun, more than doubled total CL without adding a card. Long term the higher CLs have been useful but, enough is enough. Otherwise, you could use your great credit to get a loan to add a maintenance free deck on your house along with a paver patio and some landscaping.

The most fun for me, after maxing out my Fico scores for years, was seeing how low my score could go without suffering a derog. Started a thread:  "How low will my scores go".  I was able to temporarily drop one of my Fico scores by over 100 points (EX Auto score 2: 861 => 738) just by paying off mortgage, allowing all cards to report a balance - one up to 54% -and increasing AG UT to 16%. Score rebounded quickly to over 800 when UT and cards reporting were reduced. Still no open loan.

[Traveler101]

Congratulations on the 800 club. As others have suggested, you could do some sp cli's if you would like without harm to your scores. Perhaps if there is a card you always wanted and never tried for, while you may take a dip in scores, it's temporary, and you can recover. That choice is yours, you worked for it and you earned it. Congratulations.

[FicoMike0]

congratulations! I just got two above 800 with a ssl. Ex is my holdout at 793. I'm thinking cli too. I've got all three frozen, so sp only.  I'm a sucker for subs, so I'll consider a new card if I see a good sub. Right now, I just opened a us b card with a $500 sub for $2000 spend in 4months. That will hold me back a while, but it won't take 4 months.

[SouthJamaica]

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@JNesbit89 wrote:

Thank you! I wasn't sure how much of a ding it would be. Is it a larger ding or smaller ding the better the score, or varies? I am with Citi bank I believe there is a way to check if they do a soft or hard pull..

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We would need to know a lot more about your profile to make a guesstimate.