CLI + APR request advice

[NewKid4Credit]

20.990% and $700CL - BofA Cash Rewards Visa 

21.740% and $500CL - Best Buy MasterCard

24.900% and $750CL - PlaystationCard Visa (edit just fyi: had auto CLI after 3-4months from $500 - $750)

I'm thinking about calling at least BofA and CapOne(PlaystationCard) for a CLI but I also want my interest rates to be lowered. I've always payed on time and I believe both are now at least 1yr old. my current credit scores are in siggy (haven't updated TU or EX scores). I'd like to see Best Buy do the same but I don't expect much since I've only had their card for 2-3months.

How should I go about this? Should I wait? (I plan to pay off all 3 cards in the next 3 months ~50% util in total) and advice, tips or concerns?

[gdale6]

Pay the cards off first. You want to have 2 of them report 0 balance and one of them report 1-9% of its CL to maximize your FICO prior to asking for CLI.

[Creditaddict]

Pay cards down another 50% and then start with BofA and request online for $5k and let them counter.

playstation cap1? I wouldn't bother.

interest rates I wouldn't fret about other than maybe BofA... Don't think the others are worth fighting.

after BofA cli I would check pre-qual for chase, discover, and citi

actually check those NOW! Maybe you will get offer and can bt all your balances to one!!

[efranklin23]

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@NewKid4Credit wrote:

20.990% and $700CL - BofA Cash Rewards Visa 

21.740% and $500CL - Best Buy MasterCard

24.900% and $750CL - PlaystationCard Visa (edit just fyi: had auto CLI after 3-4months from $500 - $750)

I'm thinking about calling at least BofA and CapOne(PlaystationCard) for a CLI but I also want my interest rates to be lowered. I've always payed on time and I believe both are now at least 1yr old. my current credit scores are in siggy (haven't updated TU or EX scores). I'd like to see Best Buy do the same but I don't expect much since I've only had their card for 2-3months.

How should I go about this? Should I wait? (I plan to pay off all 3 cards in the next 3 months ~50% util in total) and advice, tips or concerns?

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I would wait considering your cards UTil are around 50%. BofA wants more credit history before you can get your interest rates lowered. And what's your income at the moment? We need more info.