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Probably a lot of the audience got sidetracked by your first sentence:
"I have 2 Credit Card"
"2? Must be a typo for 12, 20,92 or something!"
But 2 can be a fine number of credit cards!
@Anonymous wrote:I'm a big restaurant/bar & Uber spender. I spend at least $750-$1000/month on it, which I worry is bad for my score due to the high utilization.
I do pay it off in full every month. Had it for about 6 months now.
You can always ask Barclays for a credit limit increase if you don't want high utilization. A Hard pull on your credit is only a temporarily 1-5 points. It will be worth it with your spending and what you will get back in Uber Cash.
@Anonymous wrote:I'm a big restaurant/bar & Uber spender. I spend at least $750-$1000/month on it, which I worry is bad for my score due to the high utilization.
I do pay it off in full every month. Had it for about 6 months now.
Depending on the depth of your profile, other tradelines, income, scores, etc., you can eventually entertain a CL increase, but the request will be a Hard Pull. Or, you can just patiently continue using the card with the potential possibility of obtaining an automatic increase. So, it really depends on your goal. Personally, I'd let things simmer for that potential opportunity.
@Anonymous wrote:
@Anonymous wrote:I'm a big restaurant/bar & Uber spender. I spend at least $750-$1000/month on it, which I worry is bad for my score due to the high utilization.
I do pay it off in full every month. Had it for about 6 months now.
You can always ask Barclays for a credit limit increase if you don't want high utilization. A Hard pull on your credit is only a temporarily 1-5 points. It will be worth it with your spending and what you will get back in Uber Cash.
This.
Is there a specific reason why you refuse the option of a HP? Hard Pulls on your credit are not that big of a deal.
certainly no reason to be ashamed.
ive had my chase prime amazon card for 3 years now. started off with 2k, still currently at 2k. no rhyme or reason for what the FIs do.
welcome to the forum, we have all been here asking similar questions at some point in our journey. 9 times out of 10, you will find people in the same exact scenarios as you.
How much do you use your amazon card?
fairly regularly. PIF every month. mix spend, amazon heavy. but, no CLI to this point.
my other chase card has gotten 2 CLIs already since i opened a year ago. unsure how to break through the algorythms.
one day...