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Do I need to use cards alot to get high CLI's?

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JoshNurse
Frequent Contributor

Do I need to use cards alot to get high CLI's?

I have several cards but only charge about $50 to $500 max on the higher CL cards.  Will I ever get a much higher CL if I spend so little ony my cards?

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5 REPLIES 5
JKXX
New Contributor

Re: Do I need to use cards alot to get high CLI's?

It is definitely possible. Each lender is different. Some will give CLIs easily with little to no spending while others like Discover love to see heavy usage.

Age: 23
Last Inq: 10/24/14. EQ: 770 (10-02-13), TU08: 797 (10-27-14), EX: ??
Chase Ink $18,500 | REI Visa $17,000 | Chase Freedom $10,000 | Discover IT $10,000 | Sallie Mae $10,000 | Amex BCE $9,000 | BOA 123 $7,500 | US Bank Cash+ $7,000 | Wells Fargo Rewards $4,900 | Walmart Discover $6,500 | Chase Amazon $1,000
Message 2 of 6
lg8302ch
Senior Contributor

Re: Do I need to use cards alot to get high CLI's?

Best example is Amex. I hardly use my card and it is my highest limit Smiley Happy

Message 3 of 6
coldnmn
Mega Contributor

Re: Do I need to use cards alot to get high CLI's?

It may be more than spending such as debt to income on the size of CL.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
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visorboy1974
Valued Contributor

Re: Do I need to use cards alot to get high CLI's?


@JKXX wrote:

It is definitely possible. Each lender is different. Some will give CLIs easily with little to no spending while others like Discover love to see heavy usage.


This...YMMV on each card.  I've gotten $14K CLIs on cards I didn't use much and haven't gotten one on a card I use 80% of the time.  

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
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takeshi74
Senior Contributor

Re: Do I need to use cards alot to get high CLI's?


@JKXX wrote:

It is definitely possible. Each lender is different. Some will give CLIs easily with little to no spending while others like Discover love to see heavy usage.


This.  I rarely use my Costco TrueEarnings.  Its most recent balance was ~$64 and that's fairly typical for a given month.  AmEx didn't grant me a 3x CLI on it but countered at just under 3x.  I haven't used my USAA cards much since getting cards with better rewards yet the CL's were recently doubled on them.  Usage can help but its impact can vary so don't rely on usage alone.

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