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Established Contributor
Posts: 771
Registered: ‎01-09-2008
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When applying for CLI does your balance matter?

I am getting ready to apply for a CLI with FPB does the balance on my card matter when applying?
I will pay it off at the end of the month but its close to my limit.
Gardening since 5/3/2016
Senior Contributor
Posts: 3,279
Registered: ‎08-03-2007
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Re: When applying for CLI does your balance matter?

I think it depends on the lender that issues the card. I know Citi HATES having a balance on the card when asking for a CLI.

I got several increases from FP while running a high balance on the card. I don't think it matters so much to them.
Here we go again...
Super Contributor
Posts: 8,198
Registered: ‎03-25-2007
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Re: When applying for CLI does your balance matter?

Personally I don't do it until I have at least piffed the current balance
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Regular Contributor
Posts: 244
Registered: ‎10-15-2007
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Re: When applying for CLI does your balance matter?

You would think that having a low balance would help be the key, but I'm not sure.  I asked for a CLI on a BOA card and I had a $20 balance, perfect history... declined.  My girlfriend who also has perfect history got an increase with here BOA card maxed out. Go figure....
I guess they think sometimes, the person that spends a lot should get the CLI so as to owe them more money.
Posts: 80
Registered: ‎06-13-2008
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Re: When applying for CLI does your balance matter?

I can't think of an instance where it couldn't hurt having a low (< 10%).  Everytime I've gotten  a CLI I've zeroed the account out just prior.  Every time I had a CLI declined, I left the balance as is.
Valued Contributor
Posts: 1,116
Registered: ‎07-12-2008
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Re: When applying for CLI does your balance matter?

I think this remains one of the great credit card mysteries Smiley Surprised I believe every company is different, and then when you figure one of them out they will change to spite yah Smiley Mad
CURRENT SCORES: TU: 641 21 Apps / EX: 644 28 Apps / AAoA: 4.4 Yrs. / Util. 28% / Goal: 700 by 7/2/15

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