@Anonymous wrote:I've only been actively involved in pursuing CLIs for less than a year now. Always SP CLIs, BTW, as I've never been willing to take a HP for one.
Like many on this forum, I don't really have any reason for CLIs at this point. My limits are already far greater than I would ever need. I never carry balances, so I have zero use for additional limits in terms of aiding aggregate utilization. The only reason I seek out CLIs, near as I can tell, is because I can. I guess I like the thrill of it and that sense of accomplishment when I get one. I'm sure there are others in the same boat as me here. It's kind of silly when I step back and think about it. The thrill of getting the CLI and/or accomplishment felt may only last a few days. Heck, sometimes just a few hours. Yet for some reason, it's worth it.
It's become more of a game to me I suppose at this point. Trying to figure out the best way to get a CLI (and the best CLI) based on spend/payment patterns, timing, etc. I find myself constantly moving my spends around from one card to another when I know a CLI opportunity is approaching in a few months. I probably miss out slightly on rewards as a result, at the expense perhaps of a greater CLI opportunity. I find myself once I receive a CLI on a card that I almost immediately start thinking about the next card that I'll be able to get a CLI on.
So, my question for everyone that's done this for over a year (perhaps much longer) is does the CLI itch ever go away? I know some people are this same exact way with applying for new cards, which no doubt can get one in trouble more than just going for SP CLIs on existing cards... but I guess the overall concept and "itch" is similar. I guess once one gets to the point where all of their cards are at their max CL relative to your profile and you basically can't get further CLIs, the "game" is essentially over? Or, do you just get bored of it eventually? Perhaps after a couple of years you just start getting tired of putting in the "work" of moving around your spend, micromanaging your accounts so much, etc? Since I'm relatively new to the CLI game, I'm very curious to hear about this subject from those that have been involved in it longer than I have.
I'm done. I am just using my CL's and paying and working on that elusive 800 score. I have all the credit I want and really want to let those inquiries fall off. I lose six more this year.Yay! I pretty much use my cards when I need them and carry a balance when I need to such as with my Promise card which has a 7.9 APR.
Now getting to this place was something else. I had the itch for new credit, the itch for CLI's and the itch for just about anything and everything. 
It really does pass at some point. I don't plan anything overwhelming for a couple of years while I use my cards and get the most value from them. Good luck to you!
I've obviously begun my descent down the churning slope but my goal in the next few years is to consolidate and trim down to a handful of $50-100k majors, keeping the store cards that actually do net me 5% or more savings (that is currently all of them), and then likely applying for flavors of the month every 6-12 months for sign up bonuses. With the exception of NASA (that 7.9% for life BT has been paid for a while now), CapOne (soon to be on chopping block) and Amex Blue, all of my cards are either used regularly or currently have a 0-4.99% balance transfer. While paying down my massive debt with BT offers and working on my "as close to $100k as possible" goals, I'm going to continue requesting CLIs so to answer the original question, for me the line is going to keep moving every time I think I can get a first down.
