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What’s the highest CLI you’ve received?

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Hut1
Established Contributor

What’s the highest CLI you’ve received?

Just curious what the trend is for each bank. We have so many people who ask what lender gives the biggest increases, so let's start a DP thread. 

What's the highest CLI you've received on your cc and what bank was it with? 

Mine was: CapitalOne --> $11K increase

 

edit: Oh wait! I lied. Amex gave me a $11.9K increase in March '22. 

 

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Message 1 of 22
21 REPLIES 21
M_Smart007
Legendary Contributor

Re: What’s the highest CLI you’ve received?


@Hut1 wrote:

Just curious what the trend is for each bank. We have so many people who ask what lender gives the biggest increases, so let's start a DP thread. 

What's the highest CLI you've received on your cc and what bank was it with? 


 


For  Personal IIRC,

SP CLI @$25,000.00 / SFFCU

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/SFFCU-VISA-quot-SP-quot-CLI-25-000-00-gt-gt-5...

 

Lowes / Synch "SP" from Approval 09-15-2021 ->10-14-2021 = $28,000.00

Message 2 of 22
TRC_WA
Senior Contributor

Re: What’s the highest CLI you’ve received?

It wasn't an actual CLI but that's how I look at it.

 

I paid and closed my $1k Delta Amex in early 2017 prior to filing Ch 13.

 

I applied and was approved for the exact same card in 2022 with a $10k limit.

 

My reward for not burning the bridge.

 

Thank you Amex!  Smiley LOL

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24
Message 3 of 22
K-in-Boston
Credit Mentor

Re: What’s the highest CLI you’ve received?

Technically it was about a week ago with Synchrony.  Went 25 months without activity on Lowe's and got a CLD to $1500, but then seconds after seeing it I asked for my $35k and got it back with a $33,500 CLI.

 

As both a percentage and raw dollar amount of a real CLI, probably US Bank Cash+.  I got the card during a period when the computer was handing out weird $500 starting lines for clean and well-aged profiles.  One call and they asked how much I wanted.  I went with $15k and got a 30X CLI, or $14,500.  There was also a $14k to double CSR with Chase around that time.

Message 4 of 22
Rogue46
Established Contributor

Re: What’s the highest CLI you’ve received?

Mine was probably Lowes, They gave me an initial SL of $2k so I called the recon number and they asked what I wanted, I said $15k and they gave me $10k. It's now at $35k after killing the increase button just about every month since then





Message 5 of 22
Hut1
Established Contributor

Re: What’s the highest CLI you’ve received?

Ok, so theeeese are definitely the stats we want to see! 😃 

 

 

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Message 6 of 22
iced
Valued Contributor

Re: What’s the highest CLI you’ve received?

The last two CLIs I've received (most recent about 5-6 years ago at this point) were for $20k each with Chase. The first was on a $10k CL card and the second one was on a $50k CL card.

Message 7 of 22
calyx
Super Contributor

Re: What’s the highest CLI you’ve received?

AMEX 15,7k for my BCP

Next would be USB for 8k

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
Message 8 of 22
CreditMarathoner
Frequent Contributor

Re: What’s the highest CLI you’ve received?

I'm probably not the best source of data on this, but my biggest CLI was $4800 from BoA last August-- the first time I ever smashed a luv button in my entire life.  The card went from $2000 to $6800.  My 2nd luv button smash on this card, a couple weeks ago, I only requested an increase to $8000 and received it, so I don't know what I would have gotten if I'd shot for the moon.  I'm not a big CLI-er.

 

It's possible that I had gotten larger auto CLIs decades ago, on a BoA card I no longer have, pre-2008-recession but I don't remember now.  This card had a $5000 SL and peaked at $16,500 after multiple auto CLIs, during a big spending period in my life.  This is the highest CL on one card I ever had, and ever will... I'm a lot more conservative when it comes to CLs now.

 

I also got a $2000 SP CLI from Chase just recently ($3000->$5000), but like my last BoA request, I throttled the request by requesting a specific amount instead of letting them give me whatever they wanted to.

 

    
Open Tradelines: 4 Revolvers, 1 Mortgage / Garden Start Date: 10/1/2021 / Garden Goal: don't have one right now
TCL: $26,500 / AAoA: 8y6m / AoYA: 1y5m / Inqs: 1EX 0TU 1EQ / FICO8 Feb 2023: 848(TU) 843(EX)
Message 9 of 22
JeffMO
Regular Contributor

Re: What’s the highest CLI you’ve received?

Lowes card, just went from 25k to 35k. I hope I didn't leave any money on the table...🥹






Capital one 500, Discover 11.1k. UMB Signature visa 18.5k, DW UMB card Auth user 16K. Citi Costco anywhere 26.6k, Amazon Prime 22.3K
BH/Comenity Photo 10k Lowes advantage 35k
AAOA 2y4m, oldest 5 years. 0 collections. 125k income, Util 1% inq 1/12. 1/24. 30/60/90 = 0, No derog's, clean file. Rebuilding started 4 years ago.
Starting Score: 560
Current Score: 795
Goal Score: 850


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Message 10 of 22
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