Valued Contributor
Posts: 1,076
Registered: ‎07-07-2013

CLD Question

I am wondering whether or not a lender would CLD me if I don't spend enough according to their internal standards.

For example, there is 12.9K CL on my Freedom and I only use it for my recurrent bill $18/mo strictly (in real life, I am not).

Community Leader
Valued Contributor
Posts: 1,794
Registered: ‎07-01-2010

Re: CLD Question

Probably not.


But credit generosity may be partly a function of the economy, and it's hard to say what would happen if times get hard.


Things like 0% BT offers and high CLs may not always be there.


Valued Contributor
Posts: 9,261
Registered: ‎12-13-2013

Re: CLD Question

As long as your other cards are kept in check with low balances as well, very doubtful. There is little risk in a charge of 18 each month opposed to the overall CL. CLD is an action related to adverse risk factors.

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