Paid down my cards currently 9% utilization across 5 credit cards with 2 of the cards only reporting a couple dollars each. Looked on creditkarma and everything reported and my score got a boost to low 700s, so decided to try another app for something. Decided to try Best Buy, and it let me choose between the store card and the Visa and it said APR and Credit Limit is the same regardless which I chose. So I obviously chose the Visa! $2000 limit.