Reply
Frequent Contributor
Posts: 360
Registered: ‎10-17-2012
0

Which CC company is more "usage sensitive" towards CLI

So among these card issuers, which one tend to give you a higher CLI  when you use the cards more heavily?   How about Capital One? What I noticed is that they seem to care more about the age of your account that your usage. GE cards and FIA cards are more sensitive to your usage.

 

 

I ask this because I don't know whether put some charge on my Capital One cards will help me about CLI or not.

 

 

Thank you.

Fide Amex 15K | Barclays Reward 3.5K | Citi Forward Student 5K | Discover IT 12.8K | US Cash Reward 6K | GE Paypal 5.5K | Wal Discover 6K | CapOne 3.5K | Kohl's 0.3K
Moderator
Posts: 27,205
Registered: ‎09-13-2012
0

Re: Which CC company is more "usage sensitive" towards CLI

[ Edited ]

w20031424 wrote:

So among these card issuers, which one tend to give you a higher CLI  when you use the cards more heavily?   How about Capital One? What I noticed is that they seem to care more about the age of your account that your usage. GE cards and FIA cards are more sensitive to your usage.

 

 

I ask this because I don't know whether put some charge on my Capital One cards will help me about CLI or not.

 

 

Thank you.


I think its a YMMV. I have received CLI's from Discover and GE with little to no usage. I don't have a Cap 1 cc so I can't offer advice with their usage vs CL 

Valued Contributor
Posts: 1,715
Registered: ‎03-07-2013
0

Re: Which CC company is more "usage sensitive" towards CLI

i think cap one likes to see usage and good payment history (ie, paying in full)...but like lexie said, it's YMMV



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Valued Contributor
Posts: 7,300
Registered: ‎10-21-2012
0

Re: Which CC company is more "usage sensitive" towards CLI


djc1puno wrote:

i think cap one likes to see usage and good payment history (ie, paying in full)...but like lexie said, it's YMMV


+1

 

Capital One would definitely need some moderate usage if you expect an auto-CLI (at some point) or if you decide to use their online CLI request.  More often than not, and from what others have posted, if the account is not used regularly the CLI can be declined for one of those reasons (i.e. Recent use of this account's existing credit line has been too low).

Community Leader
Senior Contributor
Posts: 3,809
Registered: ‎11-13-2012
0

Re: Which CC company is more "usage sensitive" towards CLI

I think it is really a YMMV thing.. all I know is heavy usage on Discover for a year will not get you anywhere. Util was 60-70% reporting and run through the card more than CL for 12 months and not even a small increase with HP....so I will SD and see if that will give me better results. Cap1 likes to see good usage and BofA gave me auto CLIs with hardly any use. I will now give them some business back as it is sooooo hopeless with Discover. Hope Discover will at least notice the loss of my business..LOL


Move the mouse over the cards for detailed view!
FICO® EQ 788 (as of today) - TU 777 (02/28).. ¦ ..Fako EX 808 (02/03 - CS)
Vantage score 3.0 TU 785 - EQ 805 (CK 03/05) .............................................bronze spade Garden Club Member


Moderator
Posts: 7,419
Registered: ‎01-15-2009
0

Re: Which CC company is more "usage sensitive" towards CLI

EO has expressedly stated to me that the best they could do on a CLI was a certain amount just to the fact that I had low usage on the card on my Capital One.

 

 

Established Contributor
Posts: 677
Registered: ‎09-16-2013
0

Re: Which CC company is more "usage sensitive" towards CLI

BOA like to see heavy usage as well. I got 3x CLI after 2 statements with a HP,and the reps approved me due to high usage

Frequent Contributor
Posts: 360
Registered: ‎10-17-2012
0

Re: Which CC company is more "usage sensitive" towards CLI


bigbang91 wrote:

BOA like to see heavy usage as well. I got 3x CLI after 2 statements with a HP,and the reps approved me due to high usage


That's what happened to my Fidelity Amex card. $2000 to $15000 in seven months.

Fide Amex 15K | Barclays Reward 3.5K | Citi Forward Student 5K | Discover IT 12.8K | US Cash Reward 6K | GE Paypal 5.5K | Wal Discover 6K | CapOne 3.5K | Kohl's 0.3K
Super Contributor
Posts: 9,535
Registered: ‎04-22-2013
0

Re: Which CC company is more "usage sensitive" towards CLI


KennyS2006 wrote:

EO has expressedly stated to me that the best they could do on a CLI was a certain amount just to the fact that I had low usage on the card on my Capital One.

 

 


But even EO is YMMV.  They gave me a 5K CLI on a card I had put maybe $50 in two years (and I even said I didn't need a CLI on that card..)

Valued Contributor
Posts: 7,300
Registered: ‎10-21-2012
0

Re: Which CC company is more "usage sensitive" towards CLI


longtimelurker wrote:

KennyS2006 wrote:

EO has expressedly stated to me that the best they could do on a CLI was a certain amount just to the fact that I had low usage on the card on my Capital One.

 

 


But even EO is YMMV.  They gave me a 5K CLI on a card I had put maybe $50 in two years (and I even said I didn't need a CLI on that card..)


+1

 

Exactly.  Or, for other folks, it still will not get the desired CLI outcome.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.