What to apply for?

[surehit]

Hey guys, 

I'm new here (been lurking for awhile), but you all seem really knowedgable about cards, so I thought I would ask your advice. I'm looking for a new card to apply for that has a higher limit than some of my other ones, I'm a Sophomore in college with a full-time job where I make ~$40,000 a year. I have an AMEX Blue Cash Everyday Card with a 2k limit, a Chase Amazon Rewards Card with a 1k limit and a credit union $500 secured card. Having a higher limit would help with my utilization as it currently hovers around 30%, but ideally I'd like it a bit lower. My score is around 670 right now due to a Macbook that I purchased last month that bumped my utilization way up temporarily. Anyone have any ideas for cards?

Thanks! 

[mikey78]

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@surehit wrote:

Hey guys, 

I'm new here (been lurking for awhile), but you all seem really knowedgable about cards, so I thought I would ask your advice. I'm looking for a new card to apply for that has a higher limit than some of my other ones, I'm a Sophomore in college with a full-time job where I make ~$40,000 a year. I have an AMEX Blue Cash Everyday Card with a 2k limit, a Chase Amazon Rewards Card with a 1k limit and a credit union $500 secured card. Having a higher limit would help with my utilization as it currently hovers around 30%, but ideally I'd like it a bit lower. My score is around 670 right now due to a Macbook that I purchased last month that bumped my utilization way up temporarily. Anyone have any ideas for cards?

Thanks! 

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Pay your balances down as much as possible
and what's your Aaoa?

do you have any negatives reported in? umm any inquiries??

[surehit]

3 inquiries, for the cards I got approved on. 

My AAoA is only 8 months :/

No negatives

[SnackTrader]

Have you asked for a CLI on your Amex?

[surehit]

I have not done that yet

[Luscher]

+1^ get that 3x increase

[09Lexie]

What's the util on Amex?

[SnackTrader]

Do that before applying for any new cards. Your AAoA is low and you should try to garden so that your AAoA increases before adding any new accounts.

[surehit]

The current utilization on the AMEX is 17%, I could pay that off right now though, I just keep it on there since it's 0% right now.

[Luscher]

pay it down and do the 3x cli. how long have you had the card?