So during my rebuild, I picked up this One Main Financial card. It's been fine, no complaints, did what I needed it to do at the time. No AF, SL $3000.
They have this thing where if you make 6 on time payments, you get a CLI or reduction in interest rate. The first time, I got a CLI to $4500. Then I put it in the SD. Recently, just for entertainment, I decided to see if I could get a CLI by swiping once a month on a very small purchase, like a soda from a vending machine. Well, today I got my CLI offer:
I decided to go with, "I'll choose later." 
Well congrats on the offer, even if you chose to decline. Check again next month and maybe you'll get a triple digit CLI offer ? 
Be thankful for small mercies! At least there wasn't an associated CLI 'processing' fee!
@ocheosa wrote:Be thankful for small mercies! At least there wasn't an associated CLI 'processing' fee!
LOL. I haven't paid them a single fee or penny of interest. Which is probably just one of many reasons they couldn't care less about offering me a $50 CLI. To be honest, I was kind of expecting it.