A higher CL doesn't mean a higher FICO. It's how you utilize the CL that counts. Under a manual review, if your goal is higher CLs, then it might be beneficial because higher CLs begat higher CLs. A higher CL is easier to manage too. I'd say that if you aren't applying for anything major in the future, and you don't want to tie up cash by adding more to a secured product, then consider a new CC at a CU somewhere. I don't think you'd have any trouble.
