They will review the relationship you got with the bank. I always transfer a chunk of money in my checking a I was never declined an increase so far and I asked for 4 increases over the years, and my income is like half of yours.

Also, make  early payments on your cc before you ask this and get utilization below 15%

BOA Cash Rewards Visa Sig. 12K; BOA Travel Rewards Visa Sig 5K, US Bank Cash+ 11.5K, AMEX BCE 6200, AMEX BLUE Sky 7K, Chase Freedom Visa Sig. 5400, Fort Knox FCU Visa Platinum 2500; CAP ONE Cash Rewards WORLD MC 5K

---

Starting Score: 580
Current Score: 747
Goal Score: 800+

Take the FICO Fitness Challenge