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11-03-2016 10:54 PM
It looks like they are relaxing with balances carried. This makes the 2nd month in a row, a small balance reported and each time the statement shows a CLI on DH card. This here is interesting...
11-03-2016 11:23 PM
I had a small balance report last month and no CLI. I did not update my income that month though, so that likely was the reason. My statement closes on the 5th, and I have $325 on my card and I updated my income. Will see if they give a CLI.
11-04-2016 09:26 AM
I got my RedCard in February and have carried a balance for months. Was at 85% util the last time when it went from $800 to $1300.
I think accounts in good standing are now on a consistent increase schedule regardless of spend / balances. Now, the amount of increase and time between increases may depend on those things, I'm not sure.
My SL was $300 in February. In June I went to $800 and in September I went to $1300
11-04-2016 11:12 AM
Good Luck, how long have you had the card?
11-04-2016 11:16 AM
That was the schedule for the first 3 CLIs when the card was in it's first year. Same pattern as yours. DHs card is right at a year and a half now. Your increases look like a lot more than his were, but usually we PIF each month. I was testing on letting the balance post and report at the time the statement cut. So far two CLIs have come out of it. Ultimately it's his lowest card now and had been for so long now sitting at $1.7k outside of a gas card at $1.5k. Target Bank/TD Bank have always been rather conservativ IMO.
11-05-2016 09:04 AM
11-11-2016 05:37 AM
11-17-2016 08:52 AM
I let my balances post from now on. When I got a CLI in October from $300 to $800, I let $96 post. Right now, I am at $270 and I updated my income this month. My statement cuts tomorrow, so we'll see. I saved about $50 while shopping on Sunday using my card and Cartwheel, so I will definitely be showing my face there more often.
I think they have some computer logarithm they use to grant CLIs. Talking to people there seems to do nothing.
12-22-2016 06:18 AM
I just got another CLI with like 90% util. It's been every 3 months for me, consistently, regardless of usage and balances and utilization.
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