topic Re: What’s the highest CLI you’ve received? in Credit Cards

What’s the highest CLI you’ve received?

Hut1 — Tue, 14 Mar 2023 19:30:43 GMT

Just curious what the trend is for each bank. We have so many people who ask what lender gives the biggest increases, so let's start a DP thread.

What's the highest CLI you've received on your cc and what bank was it with?

Mine was: CapitalOne --> $11K increase

edit: Oh wait! I lied. Amex gave me a $11.9K increase in March '22.

Re: What’s the highest CLI you’ve received?

M_Smart007 — Tue, 14 Mar 2023 17:58:20 GMT

@Hut1 wrote:
Just curious what the trend is for each bank. We have so many people who ask what lender gives the biggest increases, so let's start a DP thread.

What's the highest CLI you've received on your cc and what bank was it with?

For Personal IIRC,

SP CLI @$25,000.00 / SFFCU

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SFFCU-VISA-quot-SP-quot-CLI-25-000-00-gt-gt-50-000-00/m-p/6423095

Lowes / Synch "SP" from Approval 09-15-2021 ->10-14-2021 = $28,000.00

Re: What’s the highest CLI you’ve received?

TRC_WA — Tue, 14 Mar 2023 18:03:53 GMT

It wasn't an actual CLI but that's how I look at it.

I paid and closed my $1k Delta Amex in early 2017 prior to filing Ch 13.

I applied and was approved for the exact same card in 2022 with a $10k limit.

My reward for not burning the bridge.

Thank you Amex!

Re: What’s the highest CLI you’ve received?

K-in-Boston — Tue, 14 Mar 2023 22:58:28 GMT

Technically it was about a week ago with Synchrony. Went 25 months without activity on Lowe's and got a CLD to $1500, but then seconds after seeing it I asked for my $35k and got it back with a $33,500 CLI.

As both a percentage and raw dollar amount of a real CLI, probably US Bank Cash+. I got the card during a period when the computer was handing out weird $500 starting lines for clean and well-aged profiles. One call and they asked how much I wanted. I went with $15k and got a 30X CLI, or $14,500. There was also a $14k to double CSR with Chase around that time.

Re: What’s the highest CLI you’ve received?

Rogue46 — Tue, 14 Mar 2023 18:35:34 GMT

Mine was probably Lowes, They gave me an initial SL of $2k so I called the recon number and they asked what I wanted, I said $15k and they gave me $10k. It's now at $35k after killing the increase button just about every month since then

Re: What’s the highest CLI you’ve received?

Hut1 — Tue, 14 Mar 2023 19:29:03 GMT

Ok, so theeeese are definitely the stats we want to see! 😃

Re: What’s the highest CLI you’ve received?

iced — Tue, 14 Mar 2023 19:58:50 GMT

The last two CLIs I've received (most recent about 5-6 years ago at this point) were for $20k each with Chase. The first was on a $10k CL card and the second one was on a $50k CL card.

Re: What’s the highest CLI you’ve received?

calyx — Tue, 14 Mar 2023 20:04:20 GMT

AMEX 15,7k for my BCP

Next would be USB for 8k

Re: What’s the highest CLI you’ve received?

CreditMarathoner — Tue, 14 Mar 2023 22:20:08 GMT

I'm probably not the best source of data on this, but my biggest CLI was $4800 from BoA last August-- the first time I ever smashed a luv button in my entire life. The card went from $2000 to $6800. My 2nd luv button smash on this card, a couple weeks ago, I only requested an increase to $8000 and received it, so I don't know what I would have gotten if I'd shot for the moon. I'm not a big CLI-er.

It's possible that I had gotten larger auto CLIs decades ago, on a BoA card I no longer have, pre-2008-recession but I don't remember now. This card had a $5000 SL and peaked at $16,500 after multiple auto CLIs, during a big spending period in my life. This is the highest CL on one card I ever had, and ever will... I'm a lot more conservative when it comes to CLs now.

I also got a $2000 SP CLI from Chase just recently ($3000->$5000), but like my last BoA request, I throttled the request by requesting a specific amount instead of letting them give me whatever they wanted to.

Re: What’s the highest CLI you’ve received?

JeffMO — Tue, 14 Mar 2023 22:27:28 GMT

Lowes card, just went from 25k to 35k. I hope I didn't leave any money on the table...🥹

Re: What’s the highest CLI you’ve received?

CreditAggie — Tue, 14 Mar 2023 23:01:39 GMT

The highest CLI I got was on my BofA CCR when I asked for a $9K CLI from $1K to $10K in February 2021. At the time my highest limit was $6K on my Apple Card and I thought $10K was the moon back then.

Re: What’s the highest CLI you’ve received?

Traveler101 — Wed, 15 Mar 2023 00:29:11 GMT

Mine came from Penfed. On the 1 rare occasion I had a quarterly offer. 11,200 or 11,400. Can't remember which. And if you want to talk cumulatively, hands down Navy federal. 2 accounts opened at about 7 months apart. Each started at 25k. Via sp, all cli increases and capped at 80 a long time ago. Probably close to two years. Not bad, 2 inquiries for 80k.

Re: What’s the highest CLI you’ve received?

drboxing — Wed, 15 Mar 2023 02:30:34 GMT

$26K from X1

Re: What’s the highest CLI you’ve received?

RTOrockstar — Wed, 15 Mar 2023 11:26:55 GMT

I got a 7k increase on my Care Credit card from 5k to 12k.

I got the card for an emergency surgery for one of my dogs in Oct 2019 and it started at $750 and I was denied every CLI for over a year and a half. I was only asking for 1k increases and then in May 2021 I ask for 5k and got 2.5. 6 months later I asked for 5k and got it and then 6 months after that I went for 12 and got it.

Re: What’s the highest CLI you’ve received?

nytokyobred79 — Wed, 15 Mar 2023 13:25:48 GMT

Mine was with Chase on my CFU for 23.4K. I called in for the cli request and they doubled my limit to 46.8K a few weeks ago. Chase will sometimes give you the most they're willing to give without you specifying a number.

Re: What’s the highest CLI you’ve received?

Bestman79 — Wed, 15 Mar 2023 16:23:41 GMT

The highest for me would be Amex HH in Sept '22; $15.2K CLI from $17K to $32.2K. It was a counteroffer, originally I asked to double the limit. I immediately moved $2.2K over to BCE taking it from $1K to $3.2K.

Interesting Amex DP:

Before the CLI my total Amex exposure between 3 personal and 2 Biz cards was $34.7K. After reading over tons of threads on the forums that Amex typically asks for IV over $35K exposure I was fully prepared to comply but received no such request. Then after totaling my new limits to realize my now Amex exposure is $49.9K, I reached out to Amex via both chat and phone w/ CSR to ask was exposure over $35K a signal for IV, they both said NO, that it's profile dependent on what max exposure would be. With that being said, IMO I then knew why Amex approved my CLI of $15.2K instead of the requested $17K, b/c they didn't feel comfortable with me being at $50K plus exposure. At least that's how it appears to me.

Re: What’s the highest CLI you’ve received?

Namaste7 — Wed, 15 Mar 2023 23:11:15 GMT

I experienced the largest CLI and overall CL growth with BofA.

Re: What’s the highest CLI you’ve received?

Hut1 — Wed, 15 Mar 2023 23:17:37 GMT

@Namaste7 wrote:
I experienced the largest CLI and overall CL growth with BofA.

@Namaste7 How much was the increase if I may ask?

Re: What’s the highest CLI you’ve received?

NoMoreE46 — Thu, 16 Mar 2023 00:08:11 GMT

Chase Prime auto increased 242% from $6000 to $20500 last month.

Lowes card (AU) dollar wise at $22000. $13000 to $35000 in the spring of 2021.

Re: What’s the highest CLI you’ve received?

jojo79 — Thu, 16 Mar 2023 21:33:22 GMT

My biggest jumps were from Sync and BoA

Sam's WEMC - $10K to 20K in one shot last year

BoA - 10K jump in 2021 and then back-to-back $8K increases late 2022 and last month.