Offer your thoughts or opinion on the input financial query or topic using your financial background.

How long to wait after getting a mortgage to increase my credit limit?
My recommendation is to not ask for a credit increase, but just increase the utilization of one card if you have multiple cards, and decrease the utilization of the others, and continue paying off all cards in full each month.  In a  few months, you  will likely be offered a credit increase by the card that is getting increased use.  The card company that is getting the extra business knows that you are paying off big bills each month and keeping your account in good standing, and they will likely offer you a credit increase all by themselves because they want to keep your business.  If no offer is forthcoming, you can call the card company and ask for a credit increase. If they refuse, tell them that you will be charging very little on the card in the future  (or even canceling your card, though that will cause a hit on your credit score) because of their refusal, and switch your high volume to a different card.