First you should call the back door number for lowes and ask for an increase on that, its backed by GE and they are usually good with increases, shoot for the sky when they ask how much you want it increased to, they usually counter if request was to high. Then i would call BOA and ask for increase, shoot high too because they will counter also. BOA pulls transunion for increases even though they pull experian for initial app, and BOA is always a hard pull. If you have good outcomes with those increases then you should wait for them to report the new limits to the bureaus then app for Chase sapphire preferred and take advantage of their killer sign up bonus and then maybe you should try amex. I have both BOA and Lowes card and advice is based on my current experience with them. I got approved this Feb with Lowes with initial cl of 3000, i called back door number right away and had that increased to 6000. Then i had my secured BOA card gratuated to unsecured cash rewards but they only increased from 800 to 1000 (hard pull) then i called BOA a week later again and asked them to recon credit limit to 5000, they countered back at 3000 and i happily accepted. Another hard pull for that one but worth it to me. I waited for limits to report then 2 days ago i apped for Chase Sapphire Preferred (which i thought was way out of reach for me) and i was approved right away $5000 starting limit. Lowes is the only other card i had above 5000 and only 1 month old account so you should be good for higher starting limit. By the way chased pulled both experian and equifax and my scores were 725 equifax fico and 748 experian lender pulled fico had 9 inquiries on both bureaus from car loan shopping mostly. And just for a thought i also applied for amex BCE same day i appep for CSP and app was declined. Good luck and keep us updated!!