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Since then, I have never asked for a CLI because they have been generously increasing it on their own. In the past year I have had an increase of $4,100, but it is time for me to call about a lower interest rate. I got approved about 6 months ago, but they did not do it over the phone. They sent me a form that I filled out and I got a response in exactly a month. I felt it was a hassle to do that, and it took away from me negotiating with the representative on the phone. I am trying again in about two weeks, so I will let everyone know what they do this time.