Best time to request Credit Line Increase

[Anonymous]

Travel not so much but grocery and gas are big ticket items. I'll start looking into all these different types. Thanks!

[Anonymous]

Good to know about the soft pulls with BofA, thanks!

[Anonymous]

I'll look into the FNBO Evergreen. I think I did see the Chase Freedom Unlimited card mentioned while browsing around some websites for card comparisons.

[805orbust]

Those 2 would be my simple recommendations. Banks you already have a relationship with are no-brainers, but there's not *too* much excitement in these parts for Wells. 

If it were me, I'd apply for Chase first, then the FNBO. I think they'll both roll out the red carpet for you. 

[Anonymous]

Thank you!!

[Anonymous]

Definitely a good idea to get another card since you can aford a hard pull now that you are in a home.

Right now get one card.  Here are three good ones with current deals:

IWells Fargo Active cash.  Good SUB that's easy to qualify for and 2 percent back.

Discover is generous with limits and credit line increase requests are soft pulls.  They still have the huge first year 5% cash back and match it after a year.  Also zero % for 14 months.  You will want to carry a balance at 0% within reason which will lead to credit line increases.  Use it heavy and pay it down before requesing a CLI though.  

Maybe get one Chase card.  Freedom Flex and Freedpm Unlimited both have $200 SUBs, decent cash back, and about 14 months of 0% interest.  

Next year add an Amex.  Year after BofA and so on.   Check this forum for current best deals and SUBs.

I have 13 cards and all are set up for at least minimum payments so I'm never late.  Those that carry balances are at zero percent and  I've set up auto-payment that will zero them out before interest kicks in.   Also rotate use to take advantage of deals and make sure all cards have at least an occasional charge that is automatically paid off.  It's really easy to do online IMO.

[FishingGuy]

If your Citi cards are direct MC revolvers (and not Citi Retail Services)... I would first call and request an increase on one of those cards.
With it being a soft pull it will not effect any other applications.   

After that,  apply for what you think will work for you....FNBO Evergreen is a good option, do the pre-qual as Cold fusion suggested.....  and perhaps add one more, Discover may be a good option as Middlebridge mentioned.  They've both been good to me.   You're in a great spot,  but I would do the above before the mortgage reports.   (though I'm surprised it hasn't as of yet)

[Crowhelm]

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@Anonymous wrote:

Travel not so much but grocery and gas are big ticket items. I'll start looking into all these different types. Thanks!

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Well, the Affinity card is giving 7% back on gas for this quarter, plus 5% at Amazon all the time, and gas, supermarkets, and restaurants always get at least 2% back. Easy to join and easy to apply for the card. And outstanding customer service. And yes, it is very strange that a mortgage that closed last September is still not reported. You may want to check if all the info they have is correct.