DONT FORGET TO REQUEST YOUR LIMIT INCREASE! EVERY 6 MONTHS!!! PAID $16k💰📈 FOR GOOD HABITS🔥 Request a credit limit increase by contacting your issuer online or via phone, or wait for automatic, usage-based, or income-driven increases (typically after 6+ months of on-time payments). Be prepared to provide income, employment, and housing details. While often instant, some requests take 30 days and may cause a temporary, small dip in your credit score if a "hard pull" is required. Best Time to Ask: After 6–12 months of on-time payments, or after a boost in income. Factors Affecting Approval - Income & Employment: Higher income and steady employment increase approval chances. - Payment History: A history of on-time, responsible payments is essential. - Utilization: Lowering existing debt (keeping utilization below 30%) shows you can handle more credit. DATA POINTS I USED: INCOME: $180,000 HOUSING TYPE: RENTAL RENT: $1900