Credit Line Increase

[Anonymous]

My smallest credit card is a $500 Citibank card.  I use it about once a month and carry a balance of about $400 for the last few years. I have had it for over 2 decades with no lates or going over the limit. Will I get a higher line if I pay it off before requesting a CLI or does it matter much?

[AverageJoesCredit]

If youve had the card 20 plus years, id imagine youd be due an increase lol. Unless it one of those cards that were previously another bank or just a card that doesnt grow.

Im intrigued, what card is it that you have if you dont mind sharing?

[Anonymous]

As noted in the post . . . Citibank.

[medicgrrl]

I think AVJ means which Citibank card. Has it always been a Citibank card or was it part of an acquisition?

[Anonymous]

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medicgrrl wrote:
I think AVJ means which Citibank card. Has it always been a Citibank card or was it part of an acquisition?

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Oh, ok.  To my best recollection, it has been a Citibank card for at least a decade, and maybe always.  It's a Simplicity Cash card. Also, when I get a new card, it is usually good for about 4 years, if that means anything.
 

[JR_TX]

Is it a citi bestbuy that used to be CapOne that used to be HSBC that used to be.... ?

[JR_TX]

Sorry ignore my previous post

[medicgrrl]

JR, there are some cards that are "rebuilders" and won't grow much.

[Anonymous]

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@medicgrrl wrote:
JR, there are some cards that are "rebuilders" and won't grow much.

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For what it is worth, this card (or account) is not a "rebuilder".  Also, back to my original question . . . will paying off the card prior to requesting a CLI materially influence  or upside the increase?

[JR_TX]

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@medicgrrl wrote:
JR, there are some cards that are "rebuilders" and won't grow much.

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Hey medicgrrl! Yep you're absolutely right! I'm actually a "proud" ex-owner of a couple of them cards. haha  

Just app'd for new ones then closed out and combined their limits. One was a Cap1 Platinum and the other was a BofA 99/500.