I suppose the answer to this question can vary from lender to lender. I doubt we really have an "answer" really, but rather just opinions based on personal experiences, so I suppose that's what I'm after here.
When you initiate a CLI request online from one of your CCCs and it's the type of request that yields an instant result (no MR/human being involved) what factors are considered by the program that will make the decision when it comes to balances? Does it look at your last statement/reported balance? Your current balance? Both?
Say you're the type of person that reports 50%+ of your CL on a given card every cycle, but you always PIF. In terms of your utilization, you're clearly not in an ideal place. Since you PIF though, you're exhibiting low-risk Transactor behavior, certainly something lenders like to see.
If you're this type of person (I am one of them) and you initiate a CLI request online after making a payment which brings your current balance down to an ideal amount (say) of less than 8.9% of your limit, but your last reported balance was somewhat high (say) at >50%, does it matter? Would one expect a less favorable CLI result in this case compared to showing a smaller reported/statement balance the previous cycle?
Any opinions on this based on personal experience are welcome. I personally would think that reported/statement balance takes a back seat to PIF behavior, but do you really know what the computer program is considering in the second or two that it takes to deliver a CLI request result?
