Automatic Credit Line Increases

[chalupaman]

Which companies are known to automatically increase credit limits on account depdning upon revew every six months? I know for a fact Capital One will do it once with the student card but I don't know about anyone else like say Amazon, WalMart, etc. With Citi, I haven't had much luck in that or even getting approved for another card with them. Also does anyone have any advice in making myself more likely to qualify for these increases because I really don't want to have more hard inquires on my credit file. I already have enough as it is and want to wait a long while before doing anything else.

[Kenny]

Not adding new TLs when you open an account that does auto-CLIs is actually better, because if you have more open available credit some companies don't want to extend you more.

Wal-Mart, Capital One, Barclays, Probably Amazon all auto-cli. They like for you to use their cards very much and pay in full as much as you can. There really is no secret, I dont' think.

[awiser]

Capital One, most GECRB-backed cards (Amazon Store, Walmart), and now sometimes Citi offer SP manual requests - a la "luv button." Why wait for auto-luv? GECRB request every fourth statement and Cap One every sixth.

[awiser]

Going further, use the cards and pay more than minimum if not PIF. It may take some time (Cap One once denied my request for too many inquiries, most of which are more than a year old) but it will happen.

[takeshi74]

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@chalupaman wrote:

Also does anyone have any advice in making myself more likely to qualify for these increases

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It's all about your credit and income.  There are no magic tricks for CLI's.

[Creditaddict]

Well cards backed by GE you don't have to wait for auto cli because all but a couple like CareCredit are SP CLI and you can call credit solutions for big manual cli.

[Cdnewmanpac]

I've gotten auto clis from Chase, usaa, wells fargo in addition to those listed.

[Jazzzy]

I have gotten them within the past year from AmEx and PenFed without asking. Just a surprise notice from them.

[cobbson]

Had one from USBank after 11 months with their card.

[BigBS]

Received one from Chase and a few from USAA (back in the day).