hmmmm...... Here's the strategy I used(was unintentional but it worked out that way accidentally):
I paid all 3 cards I have with Cap1 in full, starting back in June. Prior to that, my twice annual requests for cli had been declined. After pif'ing them and using them only once per month, pif'ing, etc. I guess I sent them the message, I didn't "need" the cli, so they granted them. LOL
I'm waiting until next month to call them back(at their request) and ask for a rate decrease(I'm at max default rate, because of 4 baddies 2 years ago)
And if it's not been said, they don't do cli's on request, but periodically reviw internal records and grant based on their outcome.
