What reason do you give for CLIs?

[Anonymous]

Just curious. What do you guys say when your banks ask you the reason for a CLI? This only occurs to me when I'm on the phone with them.

[John060675]

Most of my CC have rewards tied to them, so I tell the companies that I am looking to put the majority of my daily expenses on their CCs to take advantage of the rewards.  I say that the only way to do this is if I have a CLI.

Seems to work so far.

[blondy250]

Never have been asked, except by discover and it was online. I picked future large purchase from the drop down menu.

[takeshi74]

I don't.  My CLI requests are done online.

[alvon123]

I alway state that I need  a increase to help with my utilization

[gdale6]

I use the BT offers they send as reason to raise the limit and I am concerned with a high util reporting on the card.

[Kenny]

That's interesting that you guys actually say it's for your utilization.
Do they approve for this?

I just say it's for an upcoming travel expense or simply that I am planning on trying to use this card as my primary to utilize rewards.

[Swapmeet]

I read someone saying on here that when asked what he/she needed the cli for, they replied "no particular reason. I just want to continue to build my relationship with you." I thought that was pretty clever.

[red259]

I'm not really sure the reason for the CLI is a significant factor in the lender decision. Where an issue does arise is if you are requesting a CLI on a card and you don't fully utilize your current credit limit on that card. In that situation I can see a lender asking. 

[grinlikechelsea]

Most of my requests are online. When I do call, I usually just say I'm looking for a higher limit in order to make [insert card name here] my everyday card and I would really like to further my relationship with [insert lender name here].