@Anonymous wrote:If you think about it, it's sort of crazy for any lender to grant someone a CLI if they aren't using at least half their limit per month if they are paying in full. I mean, almost all of them do it and almost all of us on this forum try to push our limits higher. From a risk/reward perspective, there's almost zero incentive for them to do this. If one is putting $1k-$5k per month and paying in full on a $25k limit card, clearly the card holder doesn't need more credit on that line, as they're using 20% of their limit at most.
I think we (generalization, myself included) often get too emotionally invested in these things and tend to take it personal when we don't get what we want, especially if we see others seemingly getting what they want. It's always good to take a step back though and see the situation through the lens of the creditor and when you do, it's simple to understand why we don't always get what we want.
But if you try sometimes you just might find you get what you need.
