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Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

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:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Established Contributor
Posts: 576
Registered: ‎11-13-2008
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Re: Does Heavy Use = Higher CLIs?

+1

Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012
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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
Valued Contributor
Posts: 1,163
Registered: ‎07-17-2012
0

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. 

Barclay RewardsCap 1 VentureCap 1 QuicksilverApple RewardsMerrickRed cardWalmartJC Penny
|****$10500***|****$9000*****|****$8000*****|****$3200****|****$1600****|****$3000****|*****$3000*****|****$2500****|
EX - 684 | TU - 680 | EQ - 686 | EQ 04 - 712
New Contributor
Posts: 72
Registered: ‎07-16-2012
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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 emailSmiley Happy

Contributor
Posts: 567
Registered: ‎10-04-2012
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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
Posts: 271
Registered: ‎08-09-2009
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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
Posts: 1,994
Registered: ‎01-24-2012
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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
Posts: 778
Registered: ‎03-07-2007
0

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...Smiley Indifferent

Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

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...Smiley Indifferent


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:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
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