I just asked HSBC to increase my limit from 750 dollars to 1450 dollars. They would not do it probably because of my credit report and the fact that the account is fairly new. When will my account no longer be considered "new". I know that different credit card companies most likely have different time frames. Now mind you, I have not missed a payment and paid way above my minimum. I have had the account since June. When is a good time to ask for an increase. I know they are looking at my payment patterns as well as how much revolving credit that I currently have with respect to what I owe (I have a very nice cushion right now). Also, do credit companies initiate a "hard pull" on your credit reports every time you request an increase?