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Established Contributor
masscredit
Posts: 754
Registered: ‎07-17-2012
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Does Heavy Use = Higher CLIs?

Are you more likely to get a better CLI if you give your card a good workout, and of course, pay it on time (possibly in full) over just using it once in awhile? 


|****$6000****|****$6000*****|****$4500*****|****$2500****|****$1600****|****$3000****|******$750******|*****$700*****|
EX - 657 (MyFico 10/02/14) TU - 655 (Walmart 10/10/14 ) EQ 04 - 699 (DCU -09/26/14) EQ 08 - 669 (MyFico -10/10/14)
Established Member
Jahmakan
Posts: 26
Registered: ‎08-20-2010
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Re: Does Heavy Use = Higher CLIs?

I guess your mileage may vary as they say, and this could be pure coincidence, but I have had a Discover More card for a little over two years now and last month I  spent significantly more than my monthly average, paid in full and today I got notice of a credit line increase.  Who knows...

Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
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Re: Does Heavy Use = Higher CLIs?

it really is ymmv. 

i mean best buy doesnt really do cli. but i used 200 dollars on my walmart card in 4 months. pif same month (sept) and asked for a cli and they gave me 800 to 3k. 

so anything is possible. 

 

ive put through about 5-600 on my ge american eagle card. and they denied my cli. account is about two weeks newer then walmart. (opened since mid july)

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


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LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: Does Heavy Use = Higher CLIs?


masscredit wrote:

Are you more likely to get a better CLI if you give your card a good workout, and of course, pay it on time (possibly in full) over just using it once in awhile? 


In most cases yes, as long as your not constantly maxxing the card and PIF. I figure just over 50% of the CL and PIF.

 




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Valued Contributor
maiden_girl
Posts: 2,106
Registered: ‎12-29-2011
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Re: Does Heavy Use = Higher CLIs?


LS2982 wrote:

masscredit wrote:

Are you more likely to get a better CLI if you give your card a good workout, and of course, pay it on time (possibly in full) over just using it once in awhile? 


In most cases yes, as long as your not constantly maxxing the card and PIF. I figure just over 50% of the CL and PIF.

 


I agree with this. The CCC like to see you're using your card as much as possible (they make money on every transaction) and of course PIF. They typically reward heavy usage and awesome credit management.

 

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
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fused
Posts: 16,374
Registered: ‎03-12-2007
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Re: Does Heavy Use = Higher CLIs?


masscredit wrote:

Are you more likely to get a better CLI if you give your card a good workout, and of course, pay it on time (possibly in full) over just using it once in awhile? 


In years past, yes that was probably true. These days, YMMV (your mileage may vary) as others have posted.

Credit Profile -
FICO 08 Scores (09-16-2014): EQ 824, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1 (Amex 07-15-2014)

Established Contributor
MojaveMoon
Posts: 536
Registered: ‎08-26-2008
0

Re: Does Heavy Use = Higher CLIs?

So far heavy usage has not resulted in an automatic CLI from Citicards.

 

Has anyone received an automatic CLI from them ?

Moderator Emeritus
fused
Posts: 16,374
Registered: ‎03-12-2007
0

Re: Does Heavy Use = Higher CLIs?


MojaveMoon wrote:

So far heavy usage has not resulted in an automatic CLI from Citicards.

 

Has anyone received an automatic CLI from them ?


I used to get regular CLI's from CITI until about two years ago. About 4 or 5 years ago, Amex, CITI, FIA and BoA (wife) gave us large CLI's for heavy usage.

 

Credit Profile -
FICO 08 Scores (09-16-2014): EQ 824, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1 (Amex 07-15-2014)

Valued Contributor
maiden_girl
Posts: 2,106
Registered: ‎12-29-2011
0

Re: Does Heavy Use = Higher CLIs?

[ Edited ]

I'm going to stop app'ing to Citi...now I'm so mad they deny me for stupid reason...I've set my eyes on the Chase Freedom...probably in December 2012 hopefully.

 

I've also heard CITI doesn't give auto CLIs..

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Established Contributor
MrCredit
Posts: 571
Registered: ‎11-13-2008
0

Re: Does Heavy Use = Higher CLIs?

YMMV, depends on scores and usage. PIF before the statement cuts. I use my cards for EVERYTHING and PIF. There are certain banks that will do auto CLI and some now you have to ask. BOA, Citi, USAA, and most CUs you have to ask. Chase has been the only one in the recent years who has been an auto CLI for me.

 

BOA likes usage in my opinion and when you apply on their site for an CLI, it will say "call us for instant decision" Don't call them and two days later like magic, you will see a CLI. Do not ask for more than 25% CL.


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