As I'm gardening for 6-12 months after recent credit approvals, I am trying to grow the balances for the better cards I already have. Eventually, I will close the subprimes one by one after they report zero for a bit.
I have:
Disc it, 1k (balance $10 after 1200 monthly usage, got it 3/22)
AMEX BluCash reward, 2k, (heavy usage, current 0 bal, got 4/22)
AMEX Delta sky miles, 2k (heavy usage, current 0 bal, got 5/22)
Lowes, 5k (0 balance, just got)
Care Credit 3,500 (zero balance1.3 years)
Car: 57,000 (got 4/22).
Cap1, 700 (Bucketed and zero balance, 2 years).
Remainder subprimes (all zero balances: OpenSky, Credit One, Avant, Self - ages are 1.5 - 3 year).
Current Ficos: EXP: 683, TU: 672, EQ: 680
High income.
12/22 : 
Increasing the Credit limits. 
@Suzette2 wrote:As I'm gardening for 6-12 months after recent credit approvals, I am trying to grow the balances for the better cards I already have. Eventually, I will close the subprimes one by one after they report zero for a bit.
I have:
Disc it, 1k (balance $10 after 1200 monthly usage, got it 3/22)
AMEX BluCash reward, 2k, (heavy usage, current 0 bal, got 4/22)
AMEX Delta sky miles, 2k (heavy usage, current 0 bal, got 5/22)
Lowes, 5k (0 balance, just got)
Care Credit 3,500 (zero balance1.3 years)
Car: 57,000 (got 4/22).
Cap1, 700 (Bucketed and zero balance, 2 years).
Remainder subprimes (all zero balances: OpenSky, Credit One, Avant, Self - ages are 1.5 - 3 year).
Current Ficos: EXP: 683, TU: 672, EQ: 680
High income.
Little early to be looking for CLI's just yet in red. Cap1 will do their possibly $100 CLI. If any of the sub-primes have a AF. Close em. If the oldest account is really 3 yrs. Stay above 2 yrs with the oldest card. Keep it for now to build history. Slow and steady. Cant rush anything credit. You finally got where you wanted. Just chill for now. In 6 months after usage then ask for CLI's.
Absolutely! I know it's premature...just wondering if there is anything beyond AZEO I should be doing? For instance, do the cards like heavy usage before paying to zero each month?
Thanks to all:
I've learned so much here. I would not be as high as I am score-wise if I did not find this group and start AZEO
Disco I hit up the old days at 61, 91, and 121 days out. On 2 cards over 2 yrs. Heavy usage and they both grew. I used them as my daily driver which Missy likes. AMEX is the ole 91 day thingy. Large thread on here about it. Time, usage for CLI's. is about it for now. You made the moves. Let time raise the scores before your next move for a while. Its score rise time. Comes a time in rebuild mode to plateau and enjoy what you got. With the recent moves. Garden till the end of the year. AZEO IMO is to save $ paying interest. Let the cards pay you. Not you paying interest to use the card. Why get CB and then lose it to interest. Again. Sit back and enjoy what you got. Your moving up the ladder. One rung at a time.
Thanks. That's what I thought. I actually opened a PenFed savings to grow until I'm ready at the end of my garden time . We will see how fast my cards grow in the garden.
I'm going to grow savings as well at penfed. I got into this credit jam a few years ago due to medicals. This way, I'll have a nest egg and since they aren't local I can avoid temptation. Just in case. And should help when I try for a card down at the end of the gardening road.