How can I increase my limit further? Reported 44k income, 1k balance.

[Gregory1776]

Reported 44k income, 1k balance may or may not carry the balance for 12 months. (Interest free.

[Anonymous]

I dont know if you can, id be wary of going over 25 percent of your yearly income if I was your lender, personally

Perhaps someone else could shed light.

Also you gave no information on your credit profile.

[Gregory1776]

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wrote:

I dont know if you can, id be wary of going over 25 percent of your yearly income if I was your lender, personally

Perhaps someone else could shed light.

Also you gave no information on your credit profile.

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CR Amex 1675 of 4K/ discover 3.6k of 4K (reported) PFCU 1.6k of 2.5 

AAoA 8 mo 100% payment history

two HP on TU 7 on EQ 8 on EX

going to guess my scores in the high 600s, though i no longer have my fico

[Anonymous]

High utilization is killing your scores.  Don't take on new debt until you resolve past debts.

I'm surprised you were approved for a CLI with that utilization.  

[HeavenOhio]

I'll second the motion on utilization — especially on the Discover card, which is maxed.  A lesser factor would be that the OP's credit history is a little short. Income shouldn't be an issue. 44k in income can support a handful of 5-digit limits with a longer history and a much improved balance situation.

[Anonymous]

Honestly if I were you I’d be stoked and grateful you got 10k with that higher utilization right now. Celebrate and work on lowering it! :-)

[NRB525]

With 8 months history, congrats on getting the offer for a $10k card.

Work on paying the utilization down, and enjoy the cards you have, there are some decent rewards there.

[AverageJoesCredit]

Accept and hold off for awhile. Thats a great increase. Slow and steady