and DaveinAZ - thats great. You have been lucky with Barclay. I have read to many stories about CLD's. I had gotten a couple auto increases on the rewards mastercard. Last year I put about 1k on it for Christmas gifts. Paid it off within 1.5 months, and that's when they decided to CLD me...I originally was upset about this because I used my card and paid it off in full and got rewarded with a CLD on ALL 3 cards, even though I didnt owe or use my Arrival+ or Apple card at all. I got over it - I was slightly annoyed yesterday that I just asked for my credit line on one card back, and they refused. Like I said, no use for a card with a 1k credit line when I have several over 10k.