High Credit Line increase when balance is low?

[fritscher]

If you ave a credit card with say 5000 credit limit and only have charged minimum items can you still get a limit increase or do banks tend to target people that usually charge close to their current limits..I would never have 3000 or 4000 or more on my card or charge that much but would like the higher limis

[mjb59463]

I'm sure different lenders have different standards, and I could imagine that the lower the balance, the safer you look to them. Obviously, keeping your balances low is just a generally good practice, whether you're chasing a CLI or not. 

I had this kind of situation come up with Amex recently. I had a 3k balance for a month or two on one of their cards, and the day after I paid it off fully, they bumped my CL from 11.5k to 13.5k. 

I'd advise you to use your cards as you normally would, don't charge more than you can afford for items just because you want to look better to a lender, and CLI's will take care of themselves in time. If by chance they don't, call in and ask. 

[NRB525]

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@fritscher wrote:

If you ave a credit card with say 5000 credit limit and only have charged minimum items can you still get a limit increase or do banks tend to target people that usually charge close to their current limits..I would never have 3000 or 4000 or more on my card or charge that much but would like the higher limis

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Each bank is different, each has it's own quirks about how to approach for a CLI.

Can you list out each card you have, which bank, the card brand, current CL and latest statement balance? That will get you specific advice on how to approach each card.