Regarding Credit Limits And Requesting CLis

[Iusedtolurk]

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@disdreamin wrote:

I've had an easy time with Chase and AmEx, generous starting lines and nice CLI from time to time when I inquire. Discover hates me and has closed two cards on me for not putting enough spend on them (yeah, I forgot and SD'd one - they do not appreciate that) and Citi will only throw me a tiny bone if I ask. Lenders are such varied beasts

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@disdreamin  Well it seems Amex is pretty generous and Disco is true to form as treating customers in a hard to pin down fashion.

Kinda surprising about the Citi though due to a lot of people stating experience with them has been pretty gratifying.  But as always understood is all profiles are uniquely different and although similarities may exist YMMV comes into play more times than not.

[pinkandgrey]

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@Iusedtolurk wrote:

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@pinkandgrey wrote:

Depends heavily on the lender. For me, Amex and Disco have handed me generous CLIs and built my limits way up even though I never come anywhere near the top end of my limits. 

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@pinkandgreyAmex is not in my arsenal yet but I do have disco so that's good to know.

Were they Auto cli or Requested? and age factors?

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The first CLIs I got from Discover were within the first year and they were all auto. Ever since then, I've just asked fairly regularly and gotten CLIs. As for Amex, all CLIs have been requested and the majority of growth was in the first year. That 3x and all lol

[disdreamin]

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@Iusedtolurk wrote:

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@disdreamin wrote:

I've had an easy time with Chase and AmEx, generous starting lines and nice CLI from time to time when I inquire. Discover hates me and has closed two cards on me for not putting enough spend on them (yeah, I forgot and SD'd one - they do not appreciate that) and Citi will only throw me a tiny bone if I ask. Lenders are such varied beasts

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@disdreamin  Well it seems Amex is pretty generous and Disco is true to form as treating customers in a hard to pin down fashion.

Kinda surprising about the Citi though due to a lot of people stating experience with them has been pretty gratifying.  But as always understood is all profiles are uniquely different and although similarities may exist YMMV comes into play more times than not.

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I just accidentally looked at our annual statement from last year and in retrospect I'm even more surprised Citi is being stingy with CLI too, to be honest. It was....horrifying might be the best word for it haha. I put all our spend through cards, we pay only one monthly bill directly via our bank, all the rest are run through my cards, primarily (90+%) Citi.