does anyone ever request a cli if there is a balance on the card?

[sdwalt]

I do it all the time and except for cap 1 It usually works great. GE loves balances.

[indiolatino61]

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@dominow wrote:

i was curious. would that throw a flag to the ccc? iwould not have more than 30% util on that card and around 14 util overall.

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I don't know how much it matters, but I always have a $0 balance before I ask for a CLI, anf have less than a 10% total utilization.

[lg8302ch]

I had a 70% util on Discover when I got my CLI finally approved..... have been turned town numerous times with 0% util before (always PIF).....but I guess Discover is a very strange bird...LOL

[takeshi74]

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@dominow wrote:

does anyone ever request a cli if there is a balance on the card?

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Sure they do.  I have.  Whether one gets a CLI or not isn't just about the balance on the card though.

[MrChairman]

I just got a 3K CLI to 10K from BoA. Util was at about 98%. I've had a bank account with them since '05 however. Not my primary account.

[phonic]

Agree that it's all YMMV.

Some banks rely more heavily on what your CR says when you request a CLI, others care more about your existing relationship with them.

I always PIF after the statement cuts, and routinely have 10-30% utilization report on some cards (<10% overall utilization). In fact, when I got a $6k CLI from Chase on my CSP, my statement balance for that month was almost 75% (yes I know, not the ideal situation, but I've never had an issue). 

In my most recent example, I had a ~$2500 statement balance post on my $10k CL Amex BCP, PIF'd the day after, and within a week had about $1000 back on it. I requested a CLI to $30k, with this balance on the card, and was instantly approved. I've also had a 4 year relationship with Amex and have put through a ton of charges on other cards with a stellar track record. 

[Fico2Go]

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@phonic wrote:

Agree that it's all YMMV.

Some banks rely more heavily on what your CR says when you request a CLI, others care more about your existing relationship with them.

I always PIF after the statement cuts, and routinely have 10-30% utilization report on some cards (<10% overall utilization). In fact, when I got a $6k CLI from Chase on my CSP, my statement balance for that month was almost 75% (yes I know, not the ideal situation, but I've never had an issue). 

In my most recent example, I had a ~$2500 statement balance post on my $10k CL Amex BCP, PIF'd the day after, and within a week had about $1000 back on it. I requested a CLI to $30k, with this balance on the card, and was instantly approved. I've also had a 4 year relationship with Amex and have put through a ton of charges on other cards with a stellar track record. 

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I tend to think having a balance is an advantage to getting CLI approved.  The variable is how much balance?  

I recently had AMEX reporting $1500 balance and was instantly approved for 3XCLI.  

Those that dont carry a balance and desiring CLI must be prepared to answer, "Why do you need an increase when you dont show a need?"  

[SpiceIslander]

As others have said, it depends on the issuer. Back in the day when I wasn't credit-informed, I carried balances on ALL my cards and got lots of auto CLIs. I didn't know then that you could actually request a CLI. That was a long time ago. LOL! Discover doesn't seem to want to give me a CLI with or without a balance. Well, to be accurate, they want to a hard pull and I refuse. I may eventually cancel it, if the CL doesn't move on UP! I barely use it now, and always PIF. Those who show me the luv, get my luv.