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Auto CL Increase When PIF Every Month

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EW800
Valued Contributor

Auto CL Increase When PIF Every Month

Perhaps there is no perfect answer to this given the number of credit card companies out there, however I was wondering how common or uncommon it is for credit card companies to give auto CLI's to those that pretty much PIF every month?  I have had some decent auto CLI's, however as I think about it, most, if not all, were while I was rapidly bringing the balances down.  I do not think I have had a auto CLI on a card that I PIF every month, therefore no where near the CL and pay no interest.  

 

Does this mean that auto CLI's may be dead for me or have some of you had increases even though you PIF every month?

 

Thanks!

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2023: EX8: 840; EQ8: 832; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $48.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $22.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $21K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $296K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
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Poliscidoc
Member

Re: Auto CL Increase When PIF Every Month

Its all variable really. I had my JCP cards stuck at 1100 for 2 years with medium usage and always PIF. Then I didnt used them for a year and got a 2K increase witht he luv button.

 

Then I had my discover it with 50%+ UTL for a year during the 0% APR and got CLI every 3 months (went from 2000 to 5000)

BOA Cash Rewards $5,000 | Discover It $5,000 | Citi Simplicity $4,500 | Carnival Mastercard $4,500 | Amazon Store Card $4,000 | Delta Amex $12,000 | Chase Slate $3,000 | Dell Store Card $3,000 | Mens Warehouse Store Card $2,800 | Zales Store Card $1,800 | Apple Barclay Card $1,600 | Wells Fargo $1,300 | Cap One $1,250 | Walmart Discover $1,250 | JCP Platinum $3,100 | Chase Freedom $500
Credit Karma- 659 | Fico- 698 | Utilization- 30% |
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