Does usage help with CLIs?

[masscredit]

I'm wondering if sometime between CLIs, you use most if not all of your limit then pay it down/pay it off, are you more likely to get a better CLI than if you were to just use 10-20% of your CL? 

[youngman1234]

I have been doing this with BOA for the past 3 years and works everytime... They love to see usage and PIF everytime....

[FinStar]

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@youngman1234 wrote:
I have been doing this with BOA for the past 3 years and works everytime... They love to see usage and PIF everytime....

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+1

All things considered with spend correlation (direct or indirect), seems to work for me as well - Chase, BOA, AMEX, Citi, US Bank...

[masscredit]

I took advantage of a Barclay's CLI earlier this year. Used it for a BT. Ran the card close to the limit them almost paid it off within a few months. Got a heathy increase about 5 months after that increase. Didn't know if it was a coincidence. Going to make use of one of their checks. That's going to get me close to my new limit and it will be paid off in 2 months. 

[youngman1234]

I don't really do bt never did one...mine are usually just purchases but I have never been denied a cli from boa

[Revelate]

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@FinStar wrote:

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@youngman1234 wrote:
I have been doing this with BOA for the past 3 years and works everytime... They love to see usage and PIF everytime....

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+1

All things considered with spend correlation (direct or indirect), seems to work for me as well - Chase, BOA, AMEX, Citi, US Bank...

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I suspect the majority if not all lenders factor this into their own CLI approval process.  Every card I use heavily I get CLI's on, the ones that I don't my limits don't budge regardless of where my credit report is now compared to when I got them... no Chase auto-CLI at six months for me is one such example.

[Meltdownblitz]

If I had to take a guess I would say yes, it seems that usage is huge with recieving a CLI. If you have a 10k limit and spending $500 a month, why would you think they think you need an increase? However on the other hand if you spend a good amount of your CL and PIF or close to it, you would have a valid reason to ask for an increase. This is just my thinking, however as always YMMV.

[lg8302ch]

Might work for some but for sure not for Discover. For 11 months I had an util of 70-90% and PIF but no luck at all.. ...even HP declined ... I am giving up use the card for 20% only and the 5% categories. They obviously do not want the rest of my charges...LOL...this will make others happy

[Revelate]

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@lg8302ch wrote:
Might work for some but for sure not for Discover. For 11 months I had an util of 70-90% and PIF but no luck at all.. ...even HP declined ... I am giving up use the card for 20% only and the 5% categories. They obviously do not want the rest of my charges...LOL...this will make others happy

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You're pretty much past the point needing revolving categories anyway with your gold plated file .

[lg8302ch]

@Revelate
LOL...yes but 5K with Discover would help...agree I do not need 25K....5K needed, 10K nice to have and the rest is luxe...but 2,5K on a great card really hurts me...if this would be on Citi AA then I could live with it .....hope in 6-12 month I can crack Discover...all I want/need is a 5K limit