Established Contributor
Posts: 576
Registered: ‎11-13-2008
Re: Does Heavy Use = Higher CLIs?

YMMV, depends on scores and usage. PIF before the statement cuts. I use my cards for EVERYTHING and PIF. There are certain banks that will do auto CLI and some now you have to ask. BOA, Citi, USAA, and most CUs you have to ask. Chase has been the only one in the recent years who has been an auto CLI for me.


BOA likes usage in my opinion and when you apply on their site for an CLI, it will say "call us for instant decision" Don't call them and two days later like magic, you will see a CLI. Do not ask for more than 25% CL.