@Superman85 wrote:Ok Guys, I have been doing alot of research on my question but can't seem to find a straight forward answer. Here goes nothing...
I just recently acquired the 5 following credit cards..
BarclayCard Rewards= $500
QuickSilverONE=$300
Wells Fargo SC=$300
Walmart CC=$700
Target CC=$300
I am now in the garden for at least a year since I plan on applying for a mortgage loan at that time. Anywho, My question is...
How can I best utilize these cards in order to look attractive to the CC companies for a CLI?
I'm not to worried about keeping my UTI low right now since I can pay everything down to just 1-9% on one CC a couple months before I apply for the mortgage to maximize my scores.
My plan so far has been to just pay for everything under the sun with cards and just wait until my bill is due and pay them off in full, not sure is this would be a good plan though as that would mean utilizing more than 30% on the cards. The other thing I could do Is just use the cards and pay them off at the ends of each week.
We have some of the best CC gurus here at MyFico so I appreciate and advise you guys can take some time to give me!
I'm no guru, but I'm willing to give my opinion. 
With Wal-Mart you can call credit solutions and ask for 5k off the bat right now. Just to see if they will counter for something higher. Make sure it coincides with your income for better chance of approval of the desired CL. The target CC probably won't move -- not sure why one would app for this anyways as you can use the target debit thing for 5% off. Barclay rewards (there is a thread dedicated to this) but basically use this a lot and either carry a slight balance or PIF whichever you prefer but use it a lot and you'll like get CLIs on 6 month and 1 year anniversaries. Quicksilver One with 300 CL indicates credit steps so use it a bunch and CLIs will come at 6 months and 1 year. Also, it's SP CLI so that's awesome. If you put significant usage on this card Capital One can be quite generous with their CLIs. You might also have to get the EO involved at 6 months to remove AF and CLI. (Just a possibility if your profile changes to make you look more prime.)
In general, the higher your score the more usage on the card the more willing they are to CLI you. So usage/paying. lol No secret, to me. I would limit the number of payments you make but make the payments large. (This shows them that you can not only handle large CLs but larger payments, as well. You're not just waiting on your next paycheck type of thing. It may or may not have a significant effect on a CLI but I think it does play a part.)
