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Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

Re: Does Heavy Use = Higher CLIs?

If you barely use the card, why would they give you a limit increase?

 

Then they feel that the card would only be used in a financial emergency, and a higher chance of default would be possible.

 

So yes, using a card is more likely to get you a larger increase.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Frequent Contributor
MrCredit
Posts: 421
Registered: ‎11-13-2008

Re: Does Heavy Use = Higher CLIs?

+1

PSECU Visa $20,000, Amex SPG $1,000, (What a joke!) Amex Platinum NPSL, PSECU LOC $20,000, BOA Amex $18,500,Fidelity Rewards Amex $10,000, Fidelity Rewards Visa Sig $7,500, Citi Diamond Preferred MC $8,300, Citi AA Advantage $8,500, WF Plat $10,000, Chase Sapphire Preferred $19,000, Chase Marriott Rewards $17,000, Lowes $10,000 (For the life of me they wont go above this),Kohls Charge $1,000
Valued Contributor
CreditScholar
Posts: 2,300
Registered: ‎01-22-2012

Re: Does Heavy Use = Higher CLIs?


MrCredit wrote:

+1


+2. I use my Chase cards very heavily and received a large auto CLI after only 3 months.
FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Established Contributor
masscredit
Posts: 682
Registered: ‎07-17-2012

Re: Does Heavy Use = Higher CLIs?

I use mine, let the statements close/amounts post then pay before the due date. I have a few accounts that I would like to see have healthy limits so I'm going to target them and give them more use than accounts that I know won't grow as much. 


|****$6000****|****$6000*****|****$4500*****|****$2500****|****$1600****|****$3000****|******$750******|*****$700*****|
EX - 651 (MyFico 06/05/14) TU - 656 (Barclay 07/07/14 ) EQ 04 - 699 (DCU -06/26/14) EQ 08 - 683 (MyFico -06/06/14) 1% Utilization
New Contributor
DCole3g
Posts: 72
Registered: ‎07-16-2012

Re: Does Heavy Use = Higher CLIs?

Fused, I know this is totally off subject, but I am trying to contact you via PM.  I am hoping that you are subscribed to this thread and will get this in an email:smileyhappy:

New Contributor
Elcid89
Posts: 567
Registered: ‎10-04-2012

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 ?


Several, most recently this month.

 

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

Frequent Contributor
Sparkz1920
Posts: 271
Registered: ‎08-09-2009

Re: Does Heavy Use = Higher CLIs?

BOA denied me for not using my current limit and 2 baddies on my TU

I wanted to ask, why did u give it to me in the first place. Same credit file and a better score

Starting Score: 601
Current Score: 670
Goal Score: 700


Take the FICO Fitness Challenge

NFCU Rewards- 8K......AMEX Delta Skymiles-5k.....Citi AAdvantage AMEX-3.5K...WalMart Discover-4K....Old Navy Visa-2k...BOA-3000...AMEX Green-NPSL....Discover More-1K
Valued Contributor
navigatethis12
Posts: 1,881
Registered: ‎01-24-2012

Re: Does Heavy Use = Higher CLIs?

Discover gave an increase when I have not used the card for more than a few hundred dollars since the beginning of the year. FIA gave one when I have not used the card in a while, and did not charge that much when I did. It really varies, but as someone else said, they may say no if you are not using it, since you have no reason to need to charge more.

Established Contributor
orl2185
Posts: 777
Registered: ‎03-07-2007

Re: Does Heavy Use = Higher CLIs?

I guess I'm the odd ball then. I barely use my cards period, yet get cli's quite a bit. WOW!!!!

 

Isn't this promoting getting into debt I presume just to get limit increases? SMH...:smileyindifferent:


Starting Score: 621
Current Score: 784
Goal Score: 800


Take the FICO Fitness Challenge
Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

Re: Does Heavy Use = Higher CLIs?


orl2185 wrote:

I guess I'm the odd ball then. I barely use my cards period, yet get cli's quite a bit. WOW!!!!

 

Isn't this promoting getting into debt I presume just to get limit increases? SMH...:smileyindifferent:


This is not promoting getting into debt. This is just saying, shift spending around and continue to PIF.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%

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