|Total Credit: $240,100||Credit Utilization: 1%||AAoA: 5 years, 7 months||Installments: Car Lease, Marcus Loan||Negatives: 0|
My card started at a very small limit too.....and now my card it at $3,400. I have had I believe 4 CLI's.....the first one I got I believe was at about 8 months.
You have to just keep using the card and go in and update your income every couple of months. I started out at 300 dollars and in two years it’s currently at 9000 and I got the MasterCard upgrade last year. I got incremental upgrades along the way but my family loves target so we spend around 200-400 a month there.
I've had mine for 16 years and if my current pattern holds, I should be getting a CLI in the next few days. I've used it for 1 or 2 purchases at Target every month, let the balance post on the statement, updated my income monthly (even when it hasn't changed), and paid the statement balance in full each month for at least the past 3 years. The good news is that the CLIs are becoming more regular for a lot of people. It took me 13.5 years to even get $100 above where I started!
Dec 2002 - $1200 starting line
~2005 - Changed to a Visa and CLD down to $800
~A few years ago - Changed to MasterCard
Jun 2016 - $500 auto CLI, $1300
Dec 2016 - $1000 auto CLI, $2300
Jun 2017 - $1000 auto CLI, $3300
Dec 2017 - $1000 auto CLI, $4300
Jun 2018 - $2000 auto CLI, $6300
I received mine in February of 2018 with a $500 SL and am now at $1200. I am currently getting an increase about every 4 months so if that trend stays the same I should get another increase next month.
I run a good amount through my Target card. It will vary between $300 - 650 a month. I always pay it down with a small closing balance but then PIF. I update my income every month. I also have a recurring payments set-up.
June 2018: $800
October 2018: $1200