USAA gave me a 3x auto CLI after 8 months - $5k to $15k. Don't think my balance really ever went over $1k during that period, always paid more than minimums but wasn't PIF at that time. Requested another a year later and they doubled it to $30k (their first offer, wasn't going to say no!) Wasn't paying attention to inquiries back then but from what I remember about the conversation the 2x was most likely a HP.