Auto-CLI vs. Initiated

[abbafan]

So, there are financial institutions (such as Barclay or Chase, for example) that do a hard-pull when you request a cli. Although, Capital One and Synchrony does a soft pull on you. What bothers me is that for almost a year and a half that I have Amazon Store card, Synchrony bank wouldn't do auto-cli on me and denies every time I request one. As for the reasons, they list that I have past or current delinquencies, high proportions of used available credit, and some other stuff. So my question is, during an automatic review for a cli, does a bank still do a soft pull and sees all the baddies that I have or does it only use its internal system to see my payment history and utilization ration on this particular account? If it's number one then I'm bound to be stuck at the cl of $600 until Spring 2017 cuz that's when all my baddies will drop. 

On the other hand, my experience with Barclay is similar, yet not exactly the same. Last March I got an auto-cli of $1000 after the first 6 months passed (which tells me that they didn't do a soft pull). Three months ago I requested another cli with them online and got approved. However, when I called recon to see if I could get even higher cli, they did anothoer hp (2nd on the same day) and the rep said that until I take care of current delinquencies they won't be able to increase it. However, as I understand, that wouldn't stop their system from automatically reviewing my account on a periodic basis and still give me a cli, correct? 

From these two experiences I can conclude that for now it would be difficult for me to obtain a cli through the reps since they pull my credit and I'd have better chances with auto-cli's. If someone can shed some light on how this exactly works I'd highly appreciate it.

[NRB525]

CLI are challenging. Hopefully the auto-CLI clicks in again.

Can you list out your utilization numbers for each card? Open balance relative to the CL. That could very well be a current issue if you are carrying balances as a percentage of your available CL. And an issue that can be dealt with, that you have control over, which could work favorably.

For example, paying cards to zero, so the statement shows zero, just to show you can, is an important part of the rebuilding cycle. Running up a balance near the limit is fine, but then you have to bring it back to zero to complete the cycle, ideally on every card at some point.

[TheGardner]

No one will know for sure how creditors work auto CLIs but they do SP your credit generally monthly. I'm sure they use your report/fico/internal scoring model to decide.