So got a scorewatch alert and my EQ fico is now 715. I don't want any more cards, but I would like to increase my credit limits. When I spoke to a USAA rep in July while applying for a personal loan, I mentioned my desire to do so. He advised me to wait until my score was above 700 (it was 693 at the time) to have a "really good chance" of getting a CLI. The USAA card is already my highest limit card (not counting a card I'm an AU on). I have already paid a little over 1/2 of the personal loan off (I got it for construction overages, which were less than anticipated).
I would also, eventually, like to get CLIs on Amex and Discover and try to PC the Chase SW card to a CSP.
I know USAA will pull EQ, which will lower that score again (reason for increase was listed as not seeking new credit). This will hurt my chances of getting a later Discover CLI, but shouldn't impact Amex or Chase, right? Whereas applying for an Amex CLI with a higher limit reporting on USAA should help?
I'm so paranoid about the 715 being "taken away" that I'm tempted to apply for CLI with USAA right now. But would I be better off leaving well enough alone, applying for AMEX cli at end of September (the one that really matters) and then trying USAA later?
Thoughts?
In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
