I have a credit card from Household bank back from Nov 07 with a $300 CL. Credit Score was around 500 at the time I applied. My fico score has been go up to an average of 650 now, and since it's past the 6 months period. Should I ask for CLI? I would also like to apply for another CC, should I do the CLI first and then apply for another one?
Wouldn't hurt to ask for a CLI. Just ask them if it would be a hard inquiry or not. It may not be. And at the same time, it probably wouldn't hurt to app for a second card. I would selectively app for a card based on score and use the CR that is the strongest.
If you only have one revolving card, adding a second may help your score. Also adding a store charge card would likely help too.
Welcome to the forum. I would find out if Household bank does a hard or soft inquiry to determine whether to give you a CLI. If it's soft then I would try for the CLI first then apply for a new card if you like. If it's a hard INQ then I would apply for the new card first so they don't see a recent inquiry on your credit report.