@icyhot wrote:
I was making only the minimum payment since it was on 0% and that was really all I could do, but now I can do a little more and have made $100-$200 payments for the past two months.
I could never feel comfortable having any debt. I always have an urge to pay off my balance whenever I can which is once a week. I have credit cards because I want to rob them of their benefits. Fat chance I'll buy something with my credit card that I can't already pay in cash.
My creditors, thanks for the 5% cash back and cash back sign up bonuses because your hopes that I will purchase beyond my means will never occur. 
Icyhot, guess how my creditors respond to my credit behavior? They increase my CLI in an attempt to get me to purchase beyond what I can handle! Fat chance I'll be doing that! Only if I was a fortune teller and knew I would never lose my job or become injured I might take that chance!
@icyhot wrote:I've been hitting the LUV button on my QS at least once a week, first it was "your account is too new" then it was "your minimum monthly payment has been too low." I was making only the minimum payment since it was on 0% and that was really all I could do, but now I can do a little more and have made $100-$200 payments for the past two months. The letter has stated if I make over the minimum payments for 3 months I could be eligible, however my UTL will still be ~80%. Do they still give CLIs with high balances? I'm payig it off for good in January, just would like the UTL to be cushioned a little.
It's all relative. For someone who has an 8k limit but has a 7k balance and has been holding it for months, they're probably not going to be giving as high of a CLI if they do as someone who has an 8k limit with a 7k balance that they've shown a history of very large payments to. That's just the reality for almost all creditors. It's in their risk algorithms, I'm sure - and we all know computers do it all these days. I've said this before and I'm sure I'll say it many more times.. best way to get CLIs is just great usage and great payments. When the track record is there for large(r) amounts then the numbers follow. (Hope that was somewhat helpful, I'm sure it's not going to 100% answer the question as there will not be a 100% answer as no one has your account pulled up on the computer with cap1's notes on them! 
) I'm sure there have been people who have gotten some CLIs after a period of time with a very high balance with minimum to slightly over minimum payments, but I'm sure thats' probably after a good 6 months or so proving that you have intentions to not leave them on the hook for the note.
