Credit increase with little usage?

[Sabrian31487]

Just wondering if anyone could give some information if they have recieved an increase without using the card that much.. I have 7 credit cards and dont want to use all of them every month but would like to get auto increase eventually.. thanks.

Keith

[CEOriginal]

I think it depends on the lender and your credit profile. For example, if one of your cards is with Cap1, you can pretty much forget an auto CLI after the first one.. You'll have to fight and claw for that.

But for most other CCCs, if they soft pull you and your profile is steadily increasing, they may give you a few CLIs to encourage more spending. But this is totally a YMMV thing.

[snowkitty]

I agree that YMMV. I have only had two cards that have questioned my usage when I called to get a cli. One was discover.....I was using the card all the time but also paying in full every few weeks. From what I see, they like for you to run a balance and use the card heavy. The other one surprisingly was Old Navy. It was like pulling teeth with them to get a cli for me. All my other GE cards were no problem. I started using the card monthly and now my limit on ON is slowly but surely going up. Oh and I have had my commenity accounts (VS, Brylane) for 10 months and still no increase....they won't even entertain the thought and I have used both cards quite a bit.

[Anonymous]

I have received CLIs with very little usage on certain cards (AmEx and Citi). YMMV.

[LS2982]

Who are your cards with OP?

[Anonymous]

I seem to be able to get a credit increase on my christopher and banks card every 3 months.  I make a purchase, wait for it to post and hit the luv button.  I went from 500-700-900 in 6 months.