best way to increase a low CL ?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous

What is the source of the credit scores you're showing?

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Amex and Wells Fargo free Fico monthly report. and CK for TU and EQ

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I would suggest that you get your genuine FICO Score 8 scores for the three credit bureaus.  Amex gives you Experian, but you don't have Equifax or TransUnion scores so you're operating somewhat blindly.  The scores provided by Credit Karma are from the Vantage Score 3.0 model and to my knowledge they are not used by lenders to make credit decisions.  Any worthwhile strategy will depend on knowing your scores.  Also, Credit Karma calculates Average Age of Accounts incorrectly although this doesn't apply in your case since you haven't mentioned any closed accounts.

[Anonymous]

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@Anonymous

will focus all my spendings on this card and see how it goes.

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That's fine, but I wouldn't do so at the expense of leaving rewards on the table.  For example, if you have a card that gives you 5% CB and you move a category spend from that card to a card that gives 1% back just to increase the spend on the 1% card, you're leaving 4% CB on the table, which becomes an expense to hopefully getting a CLI on the 1% card.  Just something to keep in mind.  Certain things like moving a recurring bill or two to that card, moving any cash purchases to it, etc. certainly make sense if you're trying to flow more dollars through it without leaving rewards on the table.