What’s the formula for getting CL increases?

[coldworld]

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@Brian_Earl_Spilner wrote:

1. Pay your bills

2. Keep low utilization

3. Apply for increases when you don't need it

4. ???

5. Profit

6. Make a thread on ficoforums to celebrate

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If you don't post it on fico forums, did it even happen? lol

[pizzadude]

All good advice above.  Also having sufficient income and other cards with comparable limits helps.  I'll add that there's a lot about CLIs that we don't understand, sometimes people with similar profiles will have differing results.  

[SouthJamaica]

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@govtguy wrote:

Hey guys, simple question here:

what is the best way to get CL increases? Is it about keeping income updated or using the card often? Asking every 6 months? Help me out! Thanks.

also, does anyone know how to put the credit cards and limits under your profile? I think that's cool. I'm new. 

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There isn't any formula, but as a general rule it helps if you

- use the card every month, but not too much, and

- pay in full every month

[govtguy]

Thank you!

[Brian_Earl_Spilner]

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@Anonymous wrote:

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@Brian_Earl_Spilner wrote:

1. Pay your bills

2. Keep low utilization

3. Apply for increases when you don't need it

4. ???

5. Profit

6. Make a thread on ficoforums to celebrate

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I don't think step 4 is legal in most states.

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That's why I left it vague. It's up for interpretation. 

[govtguy]

It just shows up as question marks for me "???"

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@Brian_Earl_Spilner wrote:

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@Anonymous wrote:

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@Brian_Earl_Spilner wrote:

1. Pay your bills

2. Keep low utilization

3. Apply for increases when you don't need it

4. ???

5. Profit

6. Make a thread on ficoforums to celebrate

---

I don't think step 4 is legal in most states.

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That's why I left it vague. It's up for interpretation. 

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it just shows up as questions marks for me "4. ???"

[SouthJamaica]

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@govtguy wrote:

It just shows up as question marks for me "???"

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@Brian_Earl_Spilner wrote:

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@Anonymous wrote:

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@Brian_Earl_Spilner wrote:

1. Pay your bills

2. Keep low utilization

3. Apply for increases when you don't need it

4. ???

5. Profit

6. Make a thread on ficoforums to celebrate

---

I don't think step 4 is legal in most states.

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That's why I left it vague. It's up for interpretation. 

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it just shows up as questions marks for me "4. ???"

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It's the South Park "???? Profit!!!" meme:

https://knowyourmeme.com/memes/profit

[Kforce]

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@SouthJamaica wrote:

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There isn't any formula, but as a general rule it helps if you

- use the card every month, but not too much, and

- pay in full every month

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and have patience.