This is an unofficial survey for anyone who has received a CLI without requesting one. I'm mainly curious about your spending habits that have warranted your lenders giving you more credit.
Up until six or so months ago, I was in the trap of making only the minimum payments on all my cards, with them always being maxed out. I have now had ~1% util for four months running, and I PIF several times a month on one card to ensure I don't get in too deep again. I do use my CCs for pretty much all my purchases and bills, only using the money in my bank account to pay my CC off.
I have yet to receive an auto CLI ever, nor do I expect to anytime soon given my recent history, but I just got my first CLI manually on two of my cards.
What is your experience / spending habits on cards you've received CLI without asking? I know different lenders will look at different things, i.e. Income, util, AAoA, but maybe also number of swipes and or % of CL used each month? Is there anyone who has gotten a CLI on a card that they only use to autopay one bill a month, just to keep it active, even if it's a very small one proportionally to their CL?
I've seen similar questions before, and I've read Veni, Vidi, Vinci, Visa, among many, many other threads, but no one that I can find has ever gone into much detail on spending habits that lenders seem to like.
I think if enough people who have had an auto-CLI chime in, we'd be able to see trends for particular CCs / lenders?
Info requested, if you don't mind
Creditor:
Usage: Little, Heavy, Everything, etc
Age of Account:
Util: %
Hover over card to see limits
Both my Cap1 cards have given auto, unasked-for CLIs. But only like $1000 at a time, and very few and far between. My biggest CLIs have come from instigating it. Since 2005, I think my Quicksilver has auto bumped it three times. Come to think of it, that's roughly once every three years but not sure it's a pattern. 
Thank you for your response!! Do you mind sharing your spending habits with them? % of CL used each month, PIF? Do you ever carry a balance? If not, no worries, and thank you again!
No problem, but if you want a CLI why not use the love button online? At least with Cap1, it's only a soft pull, and with your 1% util I think you might get a fat bump (like I did last month from $900 to $5900). Your other cards might do similar with a phone call asking for a soft pull CLI, from what I've read here.
I wouldn't say there's a pattern to my spending.. unless for the last 5 years or so it was carrying a balance. Sometimes pretty high. Only recently have I begun to PIF (and by Full I mean "most" of it - leaving $15 to $40 to keep it warm). I'd say my behavior was pretty random, but almost always a balance of some kind.
Again, thank you for the response. My Cap1 is the Platinum Credit Steps, so I won't see any luv until the 7th statement. I did get some manual luv from Best Buy, from 300 to 750, and BofA from 500 to 3000, which is a huge 6x increase. I'm more curious about the auto luv.
Sounds like you use your cards pretty heavily though, for most everyday purchases, bills, etc. Good to know.
You might want to structure the thread so that responses would be easier to read.
For example:
Creditor
Usage
Age of Account
Util
@09Lexie wrote:You might want to structure the thread so that responses would be easier to read.
For example:
Creditor
Usage
Age of Account
Util
Thank you! I'll try that...
Creditor: Bank of Amer.
Usage: Little, Heavy, Everything, etc Little, I use it every month but charge less then $50 a month
Age of Account: 3 Years
Util: % I think it's at about 4%
My card started as secured in early 2011. I had a 300 limit, they eventually unsecured it after a year and refunded my deposit. 6 months later they upped my to $500, auto CLI, then $700, auto, then $1100, and now $1700, all auto CLI. They seem to like (after the initial year) givinng me increases every 120 days which is awesome!
I primarily use the card online, but do make one trip a month to the store and spend about $20. I don't need to spend much, I mainly just pay for my hobbies on it or buy a book or 2.
I'm frugal but consistent, and they seem to like that. If the pattern holds true I hope to get another CLI in late June.BTW, I PIF every month.
@xsvspd wrote:This is an unofficial survey for anyone who has received a CLI without requesting one. I'm mainly curious about your spending habits that have warranted your lenders giving you more credit.
Up until six or so months ago, I was in the trap of making only the minimum payments on all my cards, with them always being maxed out. I have now had ~1% util for four months running, and I PIF several times a month on one card to ensure I don't get in too deep again. I do use my CCs for pretty much all my purchases and bills, only using the money in my bank account to pay my CC off.
I have yet to receive an auto CLI ever, nor do I expect to anytime soon given my recent history, but I just got my first CLI manually on two of my cards.
What is your experience / spending habits on cards you've received CLI without asking? I know different lenders will look at different things, i.e. Income, util, AAoA, but maybe also number of swipes and or % of CL used each month? Is there anyone who has gotten a CLI on a card that they only use to autopay one bill a month, just to keep it active, even if it's a very small one proportionally to their CL?
I've seen similar questions before, and I've read Veni, Vidi, Vinci, Visa, among many, many other threads, but no one that I can find has ever gone into much detail on spending habits that lenders seem to like.
I think if enough people who have had an auto-CLI chime in, we'd be able to see trends for particular CCs / lenders?
Info requested, if you don't mind
Creditor:
Usage: Little, Heavy, Everything, etc
Age of Account:
Util: %
1. Cap1 plat pc to QS1 opened 11/12 500, 5/13 bumped to 1500, approaching a yr since last bump(I am determined to get somethin either auto or EO)
Cap1 sony Visa opened 4/13 500, bumped to 750 on 9/13, then bumped to 2250 on 2/14, present
Barclay Reward for average credit, opened 11/13 1500, bumped to 2400 5/14.
2. Usage - Cap1 average usage, highest balance 565 on QS1, and 330 on Sony Visa.
Barclay average spending of 500 a month since opening, with highest spending in any given month was 467.
3. AAoA - Cap1 x2 (11/12, 4/13) GE x2(both 6/13), Barclay 11/13, Discover IT 4/14 ( u do the number crunching, its 2 much for me lol)
4. Util - Always have stayed bet 20 to 30%.
Hope this helps
