I realize this is a broad question, and the answer will vary by bank, but I'm curious: What is your experience/understanding of banks approving a CLI when card UT and overall UT are under 10%? Is significant spend essential in order to get a CLI if the limit is already over $5K?
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It's possible, but unlikely. Often times the reason for a CLI denial says something along the lines of "not enough use" or "not enough experience at current limit." Then again, some issuers will randomly give out CLIs on your SD'd card that only sees one charge a year. So it really is YMMV.
@Remedios wrote:
@aynot4fitness wrote:I realize this is a broad question, and the answer will vary by bank, but I'm curious: What is your experience/understanding of banks approving a CLI when card UT and overall UT are under 10%? Is significant spend essential in order to get a CLI if the limit is already over $5K?
Depends on the issuer.
Looking at your signature, you have a lot of cards from lenders that do require decent amount of spend.
Discover, Cap One, Apple all require spend.
Chase, when requesting HP CLI, same.
Now they are offering SPs, you probably need to be under 5/24 and some spend should be there.
Amex typically doesn't require a ton of spend, but when limit gets high, they do.
Synchrony, I don't think they require much, but they also have been doing AA on some accounts after a person would ask for increases on multiple cards. If you're going to ask, space your requests on Synch cards.
No clue about NFCU
In my case, specifically, after 4 years with a CSR, I was able to get a $45,600 limit (exactly doubled) up from $22,800.
My annual spend, over the most recent 3 of those 4 years, was $20k-25k. I have not paid a dime of interest on that, so that's not a motivating factor for the lender, nor is letting that amount post to a statement.
In my case, specifically, after 4 years with a CSR, I was able to get a $45,600 limit (exactly doubled) up from $22,800.
My annual spend, over the most recent 3 of those 4 years, was $20k-25k. I have not paid a dime of interest on that, so that's not a motivating factor for the lender, nor is letting that amount post to a statement.
Interesting...on a much smaller scale, in early 2018 I got a CF with a SL of $7200. I haven't gotten a single CLI and haven't requested one. I don't think my spend has ever exceeded $2,000 and the average is closer to $500. Now, after 4.5 years, Chase upgraded my CF-Platinum to CF-Signature - no CLI though, and my spend doesn't really justify one. Anyway, I keep learning more about managing credit thanks to the folks on these forums.