When I had the card I noticed they'd give regular CLIs every 3-6 months assuming you had a perfect payment history and more than likely PIF each month. I started with $200 and it went to $650 in less than 2 yrs, before closing it. DW, on the other hand, started with $300 and is now at $500 at the 2-yr mark and she hasn't PIF all too often.