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Have you stopped asking for CLIs?

tag
masscredit
Senior Contributor

Re: Have you stopped asking for CLIs?

My main goal is being able to use my cards for normal spending plus some extra once in awhile and not putting a dent in my utilization. I've pretty much reached that point. Just want to have a couple of cards to grow a little more. 

EQ - 687 / TU - 667 / EX - 678

Capital One Savor - $16000 / Capital One Venture - $13000 / Travel Advantage Visa - $11500 / TD Cash Card - $7500 / Bread Rewards AMEX - $6950 / Apple Card - $6500 / TD Double Up - $5500 / Mercury - $5000 / Ally Master Card - $4300 / DCU Visa - $3000 / Capital One QuickSilver - $500
$79,750
DCU Auto Loan
Message 31 of 63
Anonymous
Not applicable

Re: Have you stopped asking for CLIs?

Within reason I am more than content wtih my CL's.  My Citi Prestige is at 17K and I would like to bump that to 25K-30K.  If I can get that then I'm literally done and will be gardening for a very long time (although I am being patient with Citi and hoping I can get the increase with a SP).

Message 32 of 63
SecretAzure
Valued Contributor

Re: Have you stopped asking for CLIs?

I had to stop asking for CLIs...2 of my 5 cards are at their caps, my secure card can't grow, and I don't want a HP to increase my Freedom or Ring cards. So I'm going to sit and wait. I assume my next card will be Chase FU or SP but I have to wait until I find a new home first.

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MCMust garden until 2/1/2022 to hit my goal AAOA. Smiley Indifferent
Message 33 of 63
All4One
Valued Member

Re: Have you stopped asking for CLIs?

I've intended to ask for a couple CLI's for a couple years, but always planned on doing it at the same time as apping for a new card to minimize my HP.  Problem is I haven't apped for anything. They would have already fallen off if I would have just done it!

AMEX BCE $15k // IHG Rewards $5900 // USAA MC $3000 // AF BANK $1000
CK 774 (3/14/14) // CS FAKO 792 (3/1/14) // Quizzle 761 (1/16/14)
Last HP 3/20/14
Message 34 of 63
jbsea
Established Contributor

Re: Have you stopped asking for CLIs?

I've stopped for the most part.  Maybe on my new Flagship, just because they started it so low but really even that card is more then enough for my spend.  There are some low limit cards that I have that sometimes I feel like I want to grow but truth be told they never make it out of the SD.  Most of my spend goes on my PRG and for that card it does not matter since it's NPSL.

Amex Gold / Amex Platinum / Amex Marriott Brilliant/ Amex BCP/ Capital One Venture (AU) / Capital One Savor One/ Discover / NFCU Cash Rewards / BOA Unlimited Cash Rewards / NFCU GO Rewards (AU) / Amex EDP / NFCU Flagship Rewards / Chase Freedom (AU) / Capital One QuickSilver / Citi Costco (AU) / Amex Delta
Message 35 of 63
Marcos8
Established Contributor

Re: Have you stopped asking for CLIs?

I garden by nature. I've stopped taking hards for clis right now. So that leaves me with my Amex and my Cap 1 to try and soft increase. I've pushed the Amex to north of 25 k with no 4506-t so I'm done with that one. Now all I do is attempt a cli with Cap 1 every 6 months. 

Message 36 of 63
Anonymous
Not applicable

Re: Have you stopped asking for CLIs?

Well, Discover finally put the brakes on my soft CLIs so I am done at $5600. Plenty for spending and I have no utilization among my six cards totaling $40k limit plus an AMEX senior gold with the pay over time and travel options. That's another $35k limit. I just use the cards to keep them active, get cash back and use AMEX offers. Two TU hard pulls this year due to rental screenings. Decided to move to Arizona next month and not take the place in Oregon. Built up a little savings but still owe a huge home equity debt that, along with a bunch of lates in 2010 and 2013, keep my scores around 705. In Garden since last June and staying indefinitely. 4 HPs across the board.
Message 37 of 63
iheartwings
Valued Contributor

Re: Have you stopped asking for CLIs?

I'm about 50/50. Done requesting with AmEx revolvers, REI, and  Discover. 

 

Still requesting with Capital One because it's SP.

 

Haven't ever asked with Chase or Citi (currently still requiring HP). When I leave garden later this year, will likely request CLI via HP to try to get to 5-figure CLs (though unlikely with Chase). 

Message 38 of 63
driftless
Valued Contributor

Re: Have you stopped asking for CLIs?

I have Cap One in calendar as a repeating event every 6 months. I don't need higher CL's but I would like to see them grow a little more.
CSR | Amex Platinum | EDP | QS (2)
Amex Blue Business Plus
Message 39 of 63
Anonymous
Not applicable

Re: Have you stopped asking for CLIs?

Before I joined this forum, I didn't know credit limit increases were even possible! I've never asked for one, but at some point I'd like to ask for an increase on my Chase Amazon card, since Amazon typically has the best price on some rather expensive items that I might want some day.

Message 40 of 63
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