This calculator is used to help optimize Payment Performance & gradual Limit Increase within the next 90 to 120 days.

 
Balance Owed$Minimum Payment$Monthly Cash Flow Available$Credit Limit of Account$Debt to Credit Ratio$Recommended Additional Payment$Next Payment Amount Goal$Ideal Balance To Carry$

Strategic Recommendations

Based on the creditor and loan company financial systems, here are a few recommendations: 

1) Ensure your Debt to Credit Ratio is at least 30% or below.

2) The ideal balance to carry is always a good target, but it is understandable if that cannot be achieved right away.

3) For your next payment, be sure to respect the “Next Payment Amount Goal.” This approach will show the payment systems of the bank, as well as the FICO systems, know that you’re focusing on relationship enhancements.

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