When should I request a credit limit increase

[Anonymous]

I don't see it as the end of the world. Since your Wal Mart is 6 months do a chat and ask for $1000. You high credit doesn't justify more than that. Call Macy's and see if they will do a sp increase. Use your Barclays but don't let more than30% report each month. You didn't need a Discover secured in January but oh well.

Just put small spending on a few cards  that have brick and mortar locations this year and let your file age. Try to get your Quicksilver increased later this year and maybe try for an Am Ex Everyday by late summer.

Don't apply for anything else just chill. My .02 worth.

[Imperfectfuture]

Don't know if OP will respond, since the thread is from January 2015. Been almost four months.

[Anonymous]

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@Anonymous wrote:

Ok now that I've basically raised deleted majority of baddies from my credit report when should I request a credit limit increase?

Here is what I have and when I opened it, plus the amount:

July 2014-

         Capital One Platinum $300 (raised to $500 a few days ago-kinda bummed that it wasn't more)

August 2014-

         Capital One Quicksilver $300

         Capital One Secured $200

September 2014-

         First Premier $300

October 2014-

         WalMart $150

         Target $150

         Kohl's $300

         Amazon $600

         Macy's $600

November 2014-

         Old Navy $150

         American Eagle $150

         Victoria Secret $350

         Torrid $500

         CFNA (Firestone) $900

         Jared $3000

         Total Card (First Access) $300

          Verve $500

December 2014-

          OneStopPlus $250

          Express $250

          Lane Bryant $300

          Catherine's $300

          The Limited $350

          Blue Nile $1000

January 2015-

           TJ Maxx $300

          JC Penney's $300

           Car Care Credit $500

           Sam's Club $637 (odd amount, and I asked them to repeat that 3 times)

           Discover Secured $200

           Credit One Bank $300

           PayPal Smart Connect $600

           Barclay Rewards Mastercard $1000

I made a chart of 1%, 5%, 9%, and 10%. That way I know when my statement closing date is and how much I want the amount to be. I have been staying at or below 10%. I read the many posts and decided that staying below 10% was my best bet, so far so good. I know that it is a lot, but I got kinda happy when I was actually approved for accounts when seven months ago my credit score was below 500. I won't be applying for anything else. I want to concentrate on building these accounts for the next two years. I also want the store accounts to upgrade from store card to credit cards. 

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1.27.15

EQ: 648

TR: 650 (it went up two points today...YEAH!!!)

EX: 666

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Thank you for the advice. To begin I made a mistake on the limit on several accounts. I also closed some. I closed the Capital One Secured, First Premier (limit was $400 not $300), Total Card, Verve, and Credit One accounts. I didn't push the "luv" button, but I did get cli. I found out when I went to check my accounts and pay my bills. Capital One Quicksilver went to $1300, I upgraded the Capital One Platinum to Quicksilver, WalMart went to $1100, Target is $300 (not $150) they haven't given me an increase yet, Amazon went from $600 to $900, Old Navy $150 to $350, American Eagle $150 to $250, Sams Club $637 to $837. I was also approved for Bank of America for $1000.

I have been gardening which is very easy. I have paid all of my bills on time and my scores have gone above the 720 point. I've stayed in the 1-10% mark on each account. I know I shouldn't have opend all of those accounts at once (or within such a short time), but the damage is done and trust me I won't be openig any accounts. I do plan asking to have my accounts upgraded within a year.