How can i convince banks to give me large new credit limits? I have 5 year history, and no recent new cards, and 5% overall utilization. TIA
Some ideas that might work. YMMV.
1. Open cards, use them and pay them off, and then request a increase?
2. Combine all your credit limits at one bank (E. G. Combine all your Chase limits to one card, and leave 1k on the others), then when you go to open with a new bank, ask them to match you current highest limit. (they see it from you report).
Rinse and repeat.
Pulls don't matter much, especially when there is no new account being made.