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Time to open up somen new credit - should i get a CLI on current cards or apply for new ones? I only have 3 CCs
That is a tough question without more information. What are your scores? What is the average age on the accounts? Are you going to be making any major purchases soon?
Without knowing any of this, I can say that if you can get a CLI without them doing a hard pull, then do that. It never hurts to have a little extra credit.
More info needed for better suggestion
Unless the CLIs will require a hard pull, why not both? Your current CLs are always a huge factor in how big a new CL will be.
@blooro wrote:Time to open up somen new credit - should i get a CLI on current cards or apply for new ones? I only have 3 CCs
Do you know your FICO scores? Are your reports clean or dirty? How long is your credit history?
If you can get CLI's on your cards it is well worth it than opening new accounts which will reduce your AAoA on your current accounts. Inq's will fall off after few months but AAoA is hard to build it back.