with me that was the case, and also update your income every month, good luck to you
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Mine was open about 14 years before I started getting CLIs. That began when I let statements post with a balance, paid in full every month, and updated income monthly even when it had not changed. Some combination of that worked, and I have received a CLI every June and December for the past few years, going from $800 to $10,300.
TD Bank has a rather stale method of reading balances for CLi's. They seam to read them from the report value instead of the internal data of purchases. While it is a valid way of doing things it is incompatible with some of the popular credit abuse methods. I think the idea is if the amount reported is low then you really do not need more credit since you are fitting into your existing credit line just fine even if you are paying it weekly.
