Hi Everyone,
This is my first post here - I've been lurking for a while and have found the info on these forums to be very helpful. First for some background info - I'm a 20 year old college student that started building his credit about 2 years ago. I started out by opening a secured card with BoA that I later got unsecured after 9 months. Since then, I've opened a Chase Freedom card ($2500) about 2 weeks ago as well as a Discover IT student card ($1500) today. Additionally, I have about $9k in student loans.
My initial card (BoA BankAmericard) has a limit of $1k and I was wondering whether it was worth it to try to do a CLI or with them or wait a while. I already have 4 hard pulls, 2 very recent (the first was a denial from Discover when I didn't have any credit history from almost 2 years ago, one from BoA, one from Chase, and one from Discover).
When I first got my BoA card unsecured, I was given a credit score of 716, and Chase recently gave it as 736 according to their system. At this point in time, should I use 1-2 cards regularly and then charge the other two every once in a while to keep some activity? I've made my payments in full all of the time and have kept my utilization at about 10%. When will I notice a change in my credit score now that I've recently opened two more accounts?
Thanks! 
Use the link that says "Request a credit line increase" under card details when you click on your credit card account. Type in the total credit limit you would like. I think you can pretty safely ask for 3k. It will probably go throu immediatly, but sometimes you will get a 7-10 day massage and it will go through later after someone reviews it. It could fall through, but with a soft pull you can just try again with a lower amount in a couple of weeks.
| BoA BBR 5k | Discover it 1k | freedom 2.2k | Fidelity AMEX 1.5k | Sallie Mae 1k | AARP 2.2k | BJ's PPlus 3.7k |
Just a warning I don't think BoA does a soft pull for cli's i think BoA is always a HP. you may want to check that and not asume it will be a soft pull
@TimeToRecover wrote:Just a warning I don't think BoA does a soft pull for cli's i think BoA is always a HP. you may want to check that and not asume it will be a soft pull
+1 about 99% sure it's a HP.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k