So as the title says, as far as my Citi Forward card, I've had the card for 1 year and 8 months with no increase yet. Should I ask for a credit limit increase with that card or possibly apply for another Citi card and transfer the credit limit? Whats the best utilization on that card I should have before I ask for the increase? Should I lower it it that amount and wait a certain amount of time or it doesnt matter? If i ask for a relatively low increase with they do it on a soft pull? Whats the best reasons I should give them to make it possible? My limit is $1800, I would like it to be 3k +.