How are current credit limits considered on app?

[CreditInspired]

---

@FinStar wrote:

I would let things rest for a bit rather than apply for 'validation' purposes to see whether you can score anything higher.  If it's not something of pressing need no point in wasting a HP. 

All lenders have different UW criteria when assigning SLs.  All driven by algorithmic and AI elements.  And, while a variety of them can evaluate what other revolving and available credit exists for your specific profile, there's a lot of risk factors involved as well.  Things like your income, DTI, overall history, AAoA, utilization, overall unsecured exposure, derogatory items, etc. 

For a variety of solid, established, active and unblemished profiles (again emphasis on profile-dependent), experience shows that having larger CLs may beget larger SLs, but that's not always the case.

For instance, if utilization factors are high and the presence of a derogatory item exists, chances are that a lender isn't going to be comfortable in either (a) approving the application or, (b) if approved, limiting their exposure ("right-sizing") with not the best pricing terms.  The outcome will really vary regardless of whether you may have other tradelines with higher CLs.

All things considered, the more conservative the lender, the odds for a higher SL diminish.

---

^^^ this. 

OP, IMO, you should reduce your UT considerably before applying for any more credit. Having high UT on 3 cards is not conducive for high SLs no matter what high limit cards are already in your pocket.