Boa luv button is there!

[Anonymous]

So... I posted not long ago about the cli request and where to find it.... well, it's there now! So, I have 5 cards, all opened this year. Last one was May. 1st in Jan. My lowest limit is $750, my highest is 5k. My boa cash rewards is $2500. My utilization on it is about 4%. Going to make a full payment anytime.
My two chase cards are in 0 apr so I do have balances. Right now, 31% and 15%. The other 2 cards at 0%. My total is about 10% overall uti. Should I pay the 31 down or off first? Should I pay boa and then do the request? What should I request? My EX when I was approved was 633. I've raised my scores. They pull tu and that's a 694ish. What should I do, you guys?

Thanks!

[Anonymous]

Additional info: I got this card in feb. No increases. Been 6 mos now. I'm About To move. Ive heard rumors about updating account info triggering auto cli.. is that true at all? Also, I only have 1 tu inquiry.

[AverageJoesCredit]

Well congrats first off for all your new accounts!. With your TU score and super low inq, i would definitly hit the luv button as they seem to be great on that, barring your profile supports it. Ive only had my Boa account 3 months and i hit the button , had like 17 inqs on my TU and had some balances reporting and they gave me an increase of $2700!. So long as you are paying your accounts on time you should be establishing good credit so id say go for it. Now i know there are probably more factors to be considered but considering your profile, i hope they hook uou up!:Congrats sgsin and good luck!

[Anonymous]

Thanks! Should i only have one card reporting a balance when I do this, or am I okay with having other cards reporting?

[newhis]

You are ok with several cards reporting. The only 1 card reporting is for max score.

[AverageJoesCredit]

Agree, its ok.

[Anonymous]

Thanks! Getting excited about this. Should I have 0 balance with boa first? It's not reporting anything right now, just has small balance bc I've been using for gas and stuff.

[newhis]

No you don't need to bring the balance to $0. The banks give us cards to use, not to report $0 balance. If you have a low balance (less than 30% or better if less than 10%), then there is no problem.

[Anonymous]

Ok. Last questions. What should I ask for and do cli request make other creditors look at you funny? Meaning, would another card think AA bc I asked for an increase with another card? Or do they not typically care about that like they may for adding new cards?

[AverageJoesCredit]

Ask for what you feel you can handle. Many say shoot for the stars since you are going to use a hp anyway and most times, if they dont give it ,thrre could be a counter. In my case i said ok ill just ask for 10,000 for my Boa , knowing i would likely not get it, they came back at me with 4200, saying after analyzing my report my spend payternsetc this is ehat they were comfotable giving me at the time. Cool, i understood was happy and took it. They could have pulled a Citi DC on me and said No Soup for You! But did not. Just think how much you believe you can handle and you will be fine. Each creditor is different when seciding on who they give cli so i wouldnt worry about AA for requesting a cli Good luck