I bank with BofA and I have a customized cash rewards card that I got when I was a college student a few years ago so the credit limit is now a little low for my spending. It’s currently $2,500 and I typically use about half of that each month but I recently became aware that it’s not good for your credit score to use more than 30% of the limit. I want to request a credit line increase but I’m not going to spend more, I just want to use less of my limit. Is this a good idea? Or would it be better to apply for a different card to split my spending and utilize the cash back bonuses better? Or I could do both? Any suggestions/tips/advice is greatly appreciated!
You should try to increase your credit limit every 3-6 months. There’s no hard credit check and it can’t hurt you in anyways worst they can do is deny you.
You should not request more than 30% each time. I try to stick to 15%.
But you should also consider applying for more cards (request increase first then apply for new one).
There is no issue with using 50% of your limit each month. Utilization has no memory, so you can simply use less of your limit about a month before you plan to use your credit score and have the same score as if you had carefully managed your utilization every month.
If you only have one card, getting a second card is a good idea to continue building your credit – you want more than one active line on your report.
Have you considered a second card with different/better rewards and a sign on bonus?
Most credit card companies will let you request a credit line increase via online or phone. If you are out of college, you have paid on time, and your income is higher they will almost 100% increase it for you.
In my experience BoA is pretty generous. If you’re current limit is $2500 I’d ask for at least $5k right now and then after 6 months go back and ask again.
BoA doesn’t do hard pull so if you’re going to apply for a 2nd card try to get your current limit increased. If approved wait for the new limit to update on your credit report. Higher limits on existing cards will help you get higher limits on new cards, especially with another bank.
Also if you’re going to apply for credit make sure the *reported* balance is low. Most banks only report your statement balance once a month. If you’re spending $1200 on $2500 limit that’s 50% credit utilization that’s going to tank your scores. Doesn’t matter if you pay in full, paying doesn’t make the balance update. If you pay early and get a lower balance you will see significant boost in credit scores.
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