I had to Google Grain to figure out what it is, as I've never even heard of it? It seems that your CL is tied to how much money you have going through your bank account. Seeing this leads me to believe that one's CL would be fluid with their cashflow?
To be honest, I don't know. My starting limit was $1000. Their website said after 6 months we can ask for CLI. I have the credit account for little more than a year now. It is really nice to have as a backup cash source. It is a cross between a personal line of credit and credit card advance. They charge 1% every time we withdraw from account. And with direct deposit interest rate is 12%. When we draw the funds it is credit to the linked Bank account of our choice. It is really cool for emergency cash. Dont have to take out cash advance on credit card using outrageous cash advance fees. Any way, I sent them an email over the weekend requesting CLI. Let us see what they say.