Apply now or wait until CR UTIL % updated ?

[SnowBowl]

Okay, I am looking at adding 1 or 2 accounts for the year 2015.  I see my CR is still showing 33% UTIL but recently I paid bunch of them and it was several accounts  should be around 5% UTIL by the time CR is updated.  I have 2 INQ on EQ, 3 on TU, 2 on EX.  thanks for any info. this is a great site it has helped me greatly!... 

[Anonymous]

I would wait until your current utilization is updated as you will probably receive bigger limits and lower APR's.

[chalupaman]

Lower utilization is best. Creditors tend to give out more when you're not using too much of what you already have.