@Anonymous wrote:
@Anonymous wrote:
0% utilization as I PIF
I just want to have the highest limits across the board. Just trying to build a stronger profile I guess.
synchrony didn't give a reason, it was an auto denial online
How long have you hard these cards and what are your scores? I asked these questions because sometimes, it takes a while for these lenders to start giving CLIs..
Right. What is keeping the scores from being perfect? That could be keeping the cards from being increased. OP said scores in the mid-7's.
Do you have an installment loan reporting? If no, that would keep score down.
0% is also not the way to optimize score. With your number of cards you'd want 1 card reporting a 1-9% of it's CL balance to optimize scores.
I know you didn't ask about optimizing scores, but that can only help with increasing limits, all else being equal.
Citi can be a SP or HP online, read the blurb very carefully. (I think I'm pretty smart and I read fast and mis-read...but the HP took my TY Preferred that is super old and had been previously CLD'd from $4860 to $15k...I asked for $15k and figured they'd counter at $10-ish and they didn't.)
As others have said, Chase is a HP or if you're thinking about getting another Chase card, a co-branded one like an airline or hotel, you will likely get a better limit and you could move some over. That being said, if your AAoA is low or your accounts are new or you have a lot of inquiries, this probably wouldn't be a good idea.
