Credit Line Increase

[corymcd88]

Do banks get spooked by CLI request if you have a lot of credit with them? They are always declined as they want to do a HP for the CLI. I'm talking about Citi, BOA, Discover.

[CreditInspired]

I think it depends on other factors such as income, DTI ratio, UT, and payment history.

When I requested a CLI on my CitiDC and CitiCostco, my letter stated that I had already reached the maximum amount they would allow without a HP. YMMV

[K-in-Boston]

Agree all around.  Credit score can also be a factor.

[corymcd88]

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@K-in-Boston wrote:

Agree all around.  Credit score can also be a factor.

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760 FICO ish all three.

[Priory_Man]

I'm not sure about the other two you mentioned but BOA only does a SP for the CLI, if you have a good relationship with them, they will even give you an increase even if you are carrying a balance, I know this from experience. Ask for more than you need and let them counter.

[corymcd88]

I think people are missing my question. If you ask for a CLI on Citi, BOA, Comenity on a monthly basis will that cause any heads turning with the banks?

[Remedios]

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@corymcd88 wrote:

I think people are missing my question. If you ask for a CLI on Citi, BOA, Comenity on a monthly basis will that cause any heads turning with the banks?

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It can, depending on a profile, which is the point everybody else is making.

Assuming CLI is granted, asking again next month will usually get you nothing. 

[Anonymous]

Discover recently gave me an auto CLI from 13-15k with the card at 40% util. I had the card for roughly 6 months at the time and have no other relationship with them.

I pay 4-600 a month on the card and I'm in into 0% for another 8 or so months.