Hi,

I hope this isn't too off-topic... I'm hoping to increase my credit limit on one of my points earning cards.

For one card in particular, I've been paying it off 3-6 times each month. Sometimes, I'm charging 4x my credit limit in a month. It is always paid in full each month.

When is best to request a credit limit increase? When utilization is high or when utilization is low?

Thanks,
Tim