How much should I spend to maximize CLI $$$?

[arkane]

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@pdxmike wrote:
I found this old comment:

"Usage of 50% or more of your current CL, and PIF … Every time I've received an auto-CLI from Chase it's been under those conditions."

https://ficoforums.myfico.com/t5/Credit-Cards/Chase-CLI/m-p/4426805/highlight/true#M1271959

Thoughts?

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There's no generalizing, it's profile dependent. What works for one may cause immediate AA for another.

[Anonymous]

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@pdxmike wrote:
I found this old comment:

"Usage of 50% or more of your current CL, and PIF … Every time I've received an auto-CLI from Chase it's been under those conditions."

https://ficoforums.myfico.com/t5/Credit-Cards/Chase-CLI/m-p/4426805/highlight/true#M1271959

Thoughts?

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As others have said, it's going to be profile dependent.   Also consider what the quoted comment must really mean.  Presumably the poster hasn't had a huge number of auto CLIs, was it the case a) whenever usage exceeded 50% and the account was PIF, an auto-CLI happened.   Probably not.    More likely to mean b) The few times I got an auto CLI, I had been using 50+% of the CL (for how long, just previous cycle or more)....

which reduces it to a generalization based on very few data points.

[JohnnyGaddar]

Sometimes it’s automatically increase and sometimes you get eligible for apply CLI depending on your account history, age of accounts.

[wasCB14]

Frequent CLIs can also be an indication someone was approved with borderline credit.

If a lender likes someone's credit and income, it may just give an adequate CL in the first place.

[arkane]

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@Anonymous wrote:

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@pdxmike wrote:
I found this old comment:

"Usage of 50% or more of your current CL, and PIF … Every time I've received an auto-CLI from Chase it's been under those conditions."

https://ficoforums.myfico.com/t5/Credit-Cards/Chase-CLI/m-p/4426805/highlight/true#M1271959

Thoughts?

---

As others have said, it's going to be profile dependent.   Also consider what the quoted comment must really mean.  Presumably the poster hasn't had a huge number of auto CLIs, was it the case a) whenever usage exceeded 50% and the account was PIF, an auto-CLI happened.   Probably not.    More likely to mean b) The few times I got an auto CLI, I had been using 50+% of the CL (for how long, just previous cycle or more)....

which reduces it to a generalization based on very few data points.

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Exactly.

The only two generalizations I'm comfortable making are the longer your history with the bank and the higher your income, the better your chances are at a CLI, assuming a clean, decently thick file and no excessive debt load.