I am frustrated because all my cards have low limits. I would like higher limits but I guess I need to wait for at least six months in order to get either a CLI or a new card ie freedom…. Or something else like discover… but I hate waiting. My FICO scores are EX: 671 EQ: 657 TU: 643. I guess I have good scores maybe a little low because of higher UTL but still confused because scores went up since bal’s posted on the cards that reported $0 last month and one went from $0 to $357 and score didn’t move… my UTL last month was around 20% this month its around 30%. O I guess try to get it down and then ask for a CLI on 123 card and then get a freedom or discover… is that my best move? But I am going to try to wait until 3/13 to app for new cards if I can.
AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500
Total Credit Limits: $122,650
Starting Score: 675
