Alright, so I have been unintentionally in the garden for 9 months now. In my opinion I have a good amount of cards for what I need right now. I've been requesting increases as much as possible. All soft pulls.
JcPenney, from $6,500 to $8,000 ($1,500 increase)
Tuffy, from $4,000 to $5,000 ($1,000 increase)
CapitalOne QuickSilver, $1,500 to $4,500 ($3,000 increase)
I was very surprised to see the huge increase from CapitalOne, considering from what I've read they are very stingy with their increases. Plus I have only put maybe $500 through the card for the last 6 months.
Updated list of cards:
Amex BCP, $2,500 (Eligible for increase on 08/06/19)
Keybank Rewards, $4,500 (Eligible for increase on 08/15/19)
JcPenney, $8,000 (Eligible probably within a few months)
CapitalOne, $4,500 (Eligible again in 6 more months)
Discover, $1,500 (No idea... Try again maybe next statement)
Tuffy, $5,000 (Probably within a few months)
TransUnion, 757
Equifax, 750
All other bureas are above 750, except one that is mid 740s
Utilization, 4%
Average Age, 1 Year, 4 Months.
Keybank is coming out with a new rewards credit card in the coming months... I'm hoping its going to be similar to the new PNC Cash... If so, I'm going for it. I have two inquires falling off in the next 3 months.
