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Hey guys,
I'm new here (been lurking for awhile), but you all seem really knowedgable about cards, so I thought I would ask your advice. I'm looking for a new card to apply for that has a higher limit than some of my other ones, I'm a Sophomore in college with a full-time job where I make ~$40,000 a year. I have an AMEX Blue Cash Everyday Card with a 2k limit, a Chase Amazon Rewards Card with a 1k limit and a credit union $500 secured card. Having a higher limit would help with my utilization as it currently hovers around 30%, but ideally I'd like it a bit lower. My score is around 670 right now due to a Macbook that I purchased last month that bumped my utilization way up temporarily. Anyone have any ideas for cards?
Thanks!
@surehit wrote:Hey guys,
I'm new here (been lurking for awhile), but you all seem really knowedgable about cards, so I thought I would ask your advice. I'm looking for a new card to apply for that has a higher limit than some of my other ones, I'm a Sophomore in college with a full-time job where I make ~$40,000 a year. I have an AMEX Blue Cash Everyday Card with a 2k limit, a Chase Amazon Rewards Card with a 1k limit and a credit union $500 secured card. Having a higher limit would help with my utilization as it currently hovers around 30%, but ideally I'd like it a bit lower. My score is around 670 right now due to a Macbook that I purchased last month that bumped my utilization way up temporarily. Anyone have any ideas for cards?
Thanks!
Pay your balances down as much as possible
and what's your Aaoa?
do you have any negatives reported in? umm any inquiries??
3 inquiries, for the cards I got approved on.
My AAoA is only 8 months :/
No negatives
I have not done that yet
+1^ get that 3x increase
The current utilization on the AMEX is 17%, I could pay that off right now though, I just keep it on there since it's 0% right now.