Let’s say you have a CC with a 5k limit. To maximize the ability to receive the highest limit increase (when one is available), Do you: always keep spending under X.% Or do you spend up-to the limit, and pay down 99% before the “DUE” date, not statement date. Or do you do the same 99% as above but on the statement date instead. I asked ChatGPT the same and got this: To maximize your chances of getting the highest credit limit increase, the best strategy is a mix of responsible spending and strategic payments. Here’s how you should approach it: 1. Spend up to the limit occasionally, but pay it down before the statement closing date – This shows the issuer that you can handle a higher limit responsibly without carrying high utilization into your statements. 2. Keep your utilization low when the statement closes – Ideally under 10%, but at most 30% of your limit. Your credit utilization (as reported to bureaus) is based on your statement balance, not your due date balance. Keeping this low helps boost your credit score. 3. Always pay in full by the due date – This avoids interest and keeps your account in excellent standing. 4. Increase spending over time – If your income supports it, gradually increasing spending and paying it off responsibly can signal to the issuer that you need a higher limit. Best Approach: • Occasionally spend close to or up to the limit but pay it down before the statement closing date so it doesn’t report as maxed out. • Day-to-day, keep utilization below 10%-30% at statement closing. • Always pay in full by the due date. This method optimizes both credit score growth and issuer confidence, making you a prime candidate for a credit limit increase.