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Random CLI's come around the same time near the end of the month. You can force a CLI by putting too much in your cart. Say you have a $500 limit and you want a $1000 computer you found on eBay. Try to check out with PayPal credit. They'll either increase your limit or they'll tell you to pick another payment method. Soft pull for me so far.
You can go straight to the Paypal site and they always have a link on there to get you to apply. Read my thread regarding the line so you can at least have an informed decision. I have one, and it's ok...It was rocky at first, but when you read the post, you'll see why. I hope it helps!