CLI discussion thread and how to manage reporting balance

[slund5499]

For all us rookies, I would like to start a discussion thread on how everyone is managing their credit cards to maximize the CLI. Let's keep this discussion thread to personal accounts that are not used in any way for any business transactions. There are many threads on CLI and whether to carry a balance or PIF. How are members managing their balances? Do you carry a balance and if so what utilization level are you maintaining? If you PIF every month, how much do you run through the account.

Do not include charge cards, Amex, LOC, etc. Please also try to not include and upgrade, PC or APR adjustment information. This thread is simply to provide historical information about how lenders view account usage and CLI for activity on those accounts.

Please list your data:

Credit provider: Barclay NFL Rewards

Starting CL: $500

Account opened: Jan 2014

CLI history: Manual HP review - Aug 2014

New CL after increase: $1000

Current individual account statement count: 14 statements

Balance at the time of CLI: $107.65

Post CLI statement balance: $390.84

Was the CLI an auto or request: Manual HP

Monthly spend: $700

PIF or Carry a balance: Carry

What percentage of the CL was utilized at time of increase: 21%

Time frame for first CLI: 7 months

Additional CLI time frames: None

Recon attempts and results:

By aquiring member historical we all can help newbies and rookies get the best advise (based on expoerience) to improve the chances of CLI that may vary on the lender.

If there is anything else that anyone here thinks would be reletive to this thread please let me know.

[Anonymous]

Capital One QS1:

Credit Limit Increase Request
03/14/2015
Credit Limit Increase Request
03/09/2015
Credit Limit Increase Request
02/17/2015
Credit Limit Increase Request
02/16/2015
Credit Limit Increase Request
02/15/2015
Credit Limit Increase Request
02/14/2015
Credit Limit Increase Request
02/06/2015

Capital One QS:

Credit Limit Increase Request
03/14/2015
Credit Limit Increase Request
03/09/2015
Credit Limit Increase Request
02/28/2015
Credit Limit Increase Request
02/20/2015
Credit Limit Increase Request
02/17/2015
Credit Limit Increase Request
02/16/2015
Credit Limit Increase Request
02/15/2015
Credit Limit Increase Request
02/14/2015
Credit Limit Increase Request
02/06/2015