Asking for credit limit increases...thoughts?

[HiFromSeattle]

So over the course of the past 3 months I have taken my CC utilization from 100% to 0%, my Exp/Eq/TU/FICO scores from ~610ish each to 730ish on average. My income has increased from $40k in 2014 to $62k 2 months ago, to $78k today.

I have cards:

Citi Thankyou Rewards: $4,000 credit limit

Discover it: $1,600 credit limit

Chase Slate: $400 credit limit

Capital One: $1,700 credit limit (just saw a $500 increase of automatic credit limit 2 months ago, before my scores were updated and before my income was raised)

Capital one card 2: $500 credit limit

US Bank: $500 credit limit

Eddie Bauer: $750 credit limit (saw an automatic increase 3 months ago before any debt was paid/income increase)

After reading the credit limits people have on this site, I am really starting to wonder if I should be pursuing all my CC companies for much higher credit limits, now that my income has doubled since I opened all of these accounts and now that my CC balance is $0. I am afraid of hard inquiries, and would be hestitant to let them do that, but I know CapOne doesnt pull hard inquiries.

It just seems like my credit/income situation is night and day and it seems like I could push the envelope to get these credit cards to $5k+ each. Thoughts?

[myjourney]

History of each card would help get more answers are some new old etc etc

You stated some are 2014 and the rest?

Last CLI and on what card? 

[HiFromSeattle]

Sure:

Citi Thankyou Rewards: $4,000 credit limit (4 years, 5 months old)(CL never increased)
Discover it: $1,600 credit limit (4 years old)(CL increased 2 years ago)
Chase Slate: $400 credit limit (3 years, 3 months old)(CL never increased)
Capital One: $1,700 credit limit (NEWEST CLI - just saw a $500 increase of automatic credit limit 2 months ago, before my scores were updated and before my income was raised) (3 years, 3 months old)
Capital one card 2: $500 credit limit (1 year old)(CL never increased)
US Bank: $500 credit limit (3 years, 3 months old)(CL never increased)
Eddie Bauer: $750 credit limit (saw an automatic increase 3 months ago before any debt was paid/income increase) (1 year, 1 month old)

Just as a note: I opened all of those older than 3 years while I was in college and 3 of them on the exact same day...thought I could decline any offer once approved, was wrong. Obviously in college my income was like $12k/year

More context: all of the cards had basically been maxed out until just a couple of months ago.

[myjourney]

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@HiFromSeattle wrote:

Sure:

Citi Thankyou Rewards: $4,000 credit limit (4 years, 5 months old)(CL never increased) Yes seek CLI (SP 50/50)
Discover it: $1,600 credit limit (4 years old)(CL increased 2 years ago) Should have been seeking CLI do this one first ....Lol (SP)
Chase Slate: $400 credit limit (3 years, 3 months old)(CL never increased) App new card and move this limit over and close
Capital One: $1,700 credit limit (NEWEST CLI - just saw a $500 increase of automatic credit limit 2 months ago, before my scores were updated and before my income was raised) (3 years, 3 months old) Hit the luv button (SP)
Capital one card 2: $500 credit limit (1 year old)(CL never increased) Same as above if either fail to increase contact EO for better results 
US Bank: $500 credit limit (3 years, 3 months old)(CL never increased) HP but yes seek CLI
Eddie Bauer: $750 credit limit (saw an automatic increase 3 months ago before any debt was paid/income increase) (1 year, 1 month old) Your call do you use this card?

Just as a note: I opened all of those older than 3 years while I was in college and 3 of them on the exact same day...thought I could decline any offer once approved, was wrong. Obviously in college my income was like $12k/year

More context: all of the cards had basically been maxed out until just a couple of months ago.Great job BRAVO 

Now if your reading this section your not doing what I suggested and getting new limits .....GET .....Lol

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Thanks the added info helps 

[HiFromSeattle]

Thanks for the help.

Quick questions, what do these mean: HP, SP, (SP 50/50), EO?

For the chase card, do you think I should apply for a new card with Chase or just in general? Is there a specific reason to want to close this account?

Edit, nevermind: soft pull, hard pull, soft pull 50/50...EO...executive outreach?

[itguy_65]

Suggest you update your income in your online profile with each issuer.

DIscover is generally a SP for a CLI online, be sure to make sure the language is correct before you click submit.

Citi is also generally a SP for CLI online as well.  Again, be sure the language is consistent with a SP.
Capital one is a SP CLI as well.

US Bank does do automatic consideration for auto CLI every 6 months.  Again, be sure to update you income online.  It is a HP if you request.

Chase is generally always a HP for a CLI.

Providing you don't have baddies on your CRs, the CLIs should come over time.

[HiFromSeattle]

The only baddie I have is one 30 day late payment on my Chase card 1.5 years ago... everything else, though always maxed out, was paid on time.

[myjourney]

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@HiFromSeattle wrote:

Thanks for the help.

Quick questions, what do these mean: HP, SP, (SP 50/50), EO?

For the chase card, do you think I should apply for a new card with Chase or just in general? Is there a specific reason to want to close this account?

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Sorry I forget sometimes everyone doesn't know 

SP= no hard pull on credit 

HP= hard pull 

EO= executive offices 

[HiFromSeattle]

Thanks, and the follow up on the Chase, is it just because its a hard pull anyway, might as well open up a better account? 

[myjourney]

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@HiFromSeattle wrote:

The only baddie I have is one 30 day late payment on my Chase card 1.5 years ago... everything else, though always maxed out, was paid on time.

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Umm why are you still here and not getting CLI's 

CLI=credit limit increase 

Lol ha ha ha