FutureAttorney wrote:Do you guys recommend getting more credit cards for me? ( i really dont want any more)
Not if you don't want or need any more.
FutureAttorney wrote:The only reason i want credit limit increases is so my credit card utilization will be low, right now i spend 75%+ of my limit but pay in full every month and they still don't give me an increase ive tried with both b of a and cap 1.
You can lower reported utilization by paying before the statement cuts. The statement balance is what is reported to the CRA's. With 75% utilization your scoring will be negatively impacted.