This whole idea of "forcing" a mirror match of CLs based on 'the other's cards CL is constantly misunderstood and over rated...
Lenders aren't 'that' much of jealous lovers that they are that asleep that the switch....that stuff is
A) Not done as much as ppl 'think' from eras of the PAST.... More lenders have their own criteria and stick to their established internal guidelines, period.
It is very common to see app sprees listed right on this very site...Where for example the exact same profile gets approved for a $1500 CL and a $4000 and $15000 CL all in the same day ...Why wouldn't they all be similar....Because it can be more of a crapshoot than ppl want to wrap their heads around.
B) Tha being said during a rebirth, rebuild or initial credit building the OBJECTIVE is to build DATA the dollar amounts aren't really relevant enough to be fretting over.
Why because the scoring model doesn't CARE that the CL is $300 or $3000 it's still only so old, just a few total on time payment history months to judge
You gotta build data points
It better IMO to use the same or eat LESS funds to secure multiple TLs thus thicken the profile with more payment data
Example
Instead of IMO wasting 5k securing ONE account allowing it to be 'pretty' on a profile by itself
A person could put a small secured Loan of $500, then add a $300 Discover, a $400 Visa and $500 MC
After 10 reporting cycles the scoring model reads DATA of 40/40 Paid as Agreed & Great Utilization Management of Debt, over multiple accounts, among a Mix of accounts
THAT file is considered LESS RISKY, which = better score
The trick is Patience to 'play' to LONG game of a few months of Chess vs falling for the Checker game
Ppl have fed this nonsense of send a LOT of spend through the card as the 'key' again NOT really true for an account in credit score build mode.
Keep the utilization absolutely beautiful and feed on time history over TIME, which can not rushed,but it doesn't take THAT long but ppl have ants in their pants and ruin what could have grown beautifully,in about a school year
The way to keep the low CL builder card debt ratios low simple DON'T use them, period except for perfectly planned, staged usage there is no need to actually 'use' those cards they are there for SHOW, like your Mom's good China
It's simply an audition, until the profile warrants some 'real' CL when the score and profile get all 'growed-up' down the line, other than it's pomp and circumstances for the scoring model, nothing more.
Need to 'buy' something use your Debit Card don't use Credit, you don't have any yet 'remember' duh
All this smashing a gazillion dollars through a &500 CL cards is silly and doesn't 'show' anybody you 'need' a $5k CL card....Why would a moron 'think' it's ok to extend 5k in unsecured revolving account to a profile you barely gave $500 just a little while ago.