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Its lender specific some consider 1st of the month others the date of the month (Amex comes to mind).
I would wait until after the statement cuts then consider applying. Only apply for the credit your need and not want. If your credit utilization on a card on average month is less than 10% I would not consider asking for a CLI. If the creditor gives you fine. If my usage on a card occasionally went above 10% same advice. I would consider it if may monthly usage on a card was over 10% every month. I have three store cards that I will never consider asking for a CLI on. My current credit limits on my other cards are less than 10% each month. Keep in mind the credit limit on affects your score in regards to you credit utilization.
I would wait at least a year before asking for increase. My experience with US Bank is that they reveiw the account at least once year around the anniversary when I opened the account. They may review more than that but I have received auto CLI's around that date. How long ago did you open your CC accounts and who with?
@CreditMagic7 wrote:
When reviewing my own CR i try to view it from an U/W's perspective. If approved on say the month of May but the report doesn't report a statement until July, would July be recognized as historical month #1 or instead May month #1 with July month #3?
A creditor doesn't need to refer to a report to review the account that you hold with that creditor.