topic Re: Max Util allowed for a CLI? in Credit Cards

Max Util allowed for a CLI?

CreditGuy03 — Tue, 17 May 2016 20:32:34 GMT

Who is the creditor that is generous enough to give a CLI when your overall Util is over 40%?

What is the maximum Util that you have had and still received a CLI from a creditor?

Re: Max Util allowed for a CLI?

Anonymous — Tue, 17 May 2016 20:57:13 GMT

@CreditGuy03 wrote:
Who is the creditor that is generous enough to give a CLI when your overall Util is over 40%?

What is the maximum Util that you have had and still received a CLI from a creditor?

I received a 2X CLI on my AMEX and the UTI was 75% of $2K.

Re: Max Util allowed for a CLI?

CreditGuy03 — Tue, 17 May 2016 23:07:46 GMT

Yea thats right amex does auto cli after 90 days

Re: Max Util allowed for a CLI?

Anonymous — Wed, 18 May 2016 00:20:08 GMT

They don't auto CLI after 90 days on a whimb. They don't do many auto CLIs.

Also, if you're at 40% I wouldn't have too high of hopes for a CLI. It appears to the lender (not saying this is the truth) that you're relying on credit to live. If it's always high utilization I doubt you'll get a CLI but if it's very rare I wouldn't worry much.

Re: Max Util allowed for a CLI?

Anonymous — Wed, 18 May 2016 00:33:06 GMT

In my experience, Discover.

Overall was over 40% and util on their card was 93%.

They gave me auto, I did not ask. This was in the Fall.

They've given me increases with high util many times before that as well, in fact that's the only time they seem to do it for me. All auto, I have never requested an increase.