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Regular purchases vs balance transfers for CLIs?

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masscredit
Valued Contributor

Regular purchases vs balance transfers for CLIs?

Is a person less likely to get a CLI if they mainly use their card for BTs instead of purchases or does it not matter? 

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 687 / TU - 663/ EX - 677

TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $5000 / SDFCU Secured - $4990 / Capital One QuickSiver - $4500 / Ally Master Card - $2800/ Walmart Mastercard - $2250

Andrews FCU SSL $1500
Message 1 of 5
4 REPLIES 4
OmarGB9
Community Leader
Super Contributor

Re: Regular purchases vs balance transfers for CLIs?

Doesn't really matter, honestly. Some people receive CLIs on cards that do nothing but carry BTs.

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 2 of 5
masscredit
Valued Contributor

Re: Regular purchases vs balance transfers for CLIs?

I know some companies like to see a lot of swipes. Don't know how that's factored when using the Luv button vs an actual person doing a manual review. They have a chance of making money either way. And paying on the balances shows financial responsibliity. 

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 687 / TU - 663/ EX - 677

TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $5000 / SDFCU Secured - $4990 / Capital One QuickSiver - $4500 / Ally Master Card - $2800/ Walmart Mastercard - $2250

Andrews FCU SSL $1500
Message 3 of 5
Involver
Valued Contributor

Re: Regular purchases vs balance transfers for CLIs?

FNBO has been giving me hefty auto CLIs regularly and I've only used the account for balance transfers.
Message 4 of 5
sillykitty1
Established Contributor

Re: Regular purchases vs balance transfers for CLIs?

Barclay gave me a SP CLI on my Aviator, and little activity except one BT.  But I have gotten CLI's on my Amex with nearly zero activity, and nothing on Chase with tons of activity.  So I don't think there is a nswer that fits all creditors.

Message 5 of 5
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