Im coming up on one year with my citizens bank/charter one platinum rewards card, and wondering if I should request a CLI. Ive never been late and pay off my bill every month. The only thing is that Ive been over my limit before ( for maybe a few days at a time) gas stations lol but I have a low $500 limit and because I get 3% cash back I always use it. because the limit is so low I pay every week or so to keep the balance to where I can use it.
I had better credit when I got the card, if I request a CLI, will they pull my credit again? or will they just look at my history with them?
It would be nice to get it up to 1k, as I could manage that better not having to pay 6 or 7 times a month to use it, but I dont want a credit pull and I dont know if going over the limit for a few days here and there will hurt.
Never requested CLI. What should I do?
In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL