No condemnation taken @Aim_High
I'll have to take the time and read over those links, much appreciated. This forum has been a great wealth of information.
Aven:
RH:
@ElvisCaprice wrote:
@ptatohed wrote:I'm not so sure I'd go through the trouble to actually request a CLD, but, conversely, I certainly won't be making any CLI requests any time soon.
All my limits more than cover my spend. Auto CLIs happen often, which is fine, but, for me, no need to actively request a CLI.
CLD's are much simpler than CLI's. Some issuers you can do it online, automatic thru your account without even speaking to someone.
Understood, but I pretty much have the same same desire for requesting CLIs as I do CLDs which is, quite frankly, ............ ummm....... zero. 
@ptatohedwrote:For me, I feel like an outsider around here when it comes to one thing - I can't seem to understand the maddening obsession with CLIs.
That other posting laid out my other reasoning to include:
- Improving utilization to the point where I never need to prepay any cards to keep utilization low, and my utilization perennially stays so low automatically that my FICO is optimized, i.e. typically less than 8.9% on any one card.
- Growing higher limits in my high earning years before retirement when I may not qualify as easily for high limits as income falls.
- The 'sport' of growing the high limits is enjoyable and interesting to me, similar to the thrill some of our members get with some other credit behaviors like getting approved for a new card, earning a great SUB, optimizing rewards, getting a great low APR card, or finding a card that offers some great perks which have enhanced their lifestyle. It's especially fun when it can done with soft pull CLIs, acquiring new cards such as through AMEX with a soft pull, or being able to consolidate credit limits. No HP is always good.
@ptatohed wrote:For me, I feel like an outsider around here when it comes to one thing - I can't seem to understand the maddening obsession with CLIs. With one exception (AOD, I'll explain), I've never, ever, ever, cared what my initial CL was, nor what I feel it 'should' grow to be..... so long as it's more than I'll ever need, which 98% of all my cc's have provided over the last 30+ years (except AOD, I'll explain). I actually don't understand why people list their CLs in their signatures. No offense, but why would I care? Most all of my cards have provided ample CL for my needed spend (except AOD, I'll explain
So, one exception - AOD - at the time of application, I just wanted to be as low risk / under the radar as possible so I made the mistake of requesting the lowest CL available ($5k) and, at times (when the 3% was uncapped), it didn't cover all my spend, so I caved and asked for a CLI to $10k, granted. Perfect. I didn't need $15k, or $20k, $10k is just right.
I'm not so sure I'd go through the trouble to actually request a CLD, but, conversely, I certainly won't be making any CLI requests any time soon.
Consider your income, and how much you spend. Many people could have higher expenses and income. 10,000 to you could be a years bills, while for someone else that's a weeks bills.
With more income, comes bigger bills.
I think this is one of those topics where people are going to land all over the spectrum, and I'm somewhere in the middle. I don't request CLDs often but there have been times where it has proved worthwhile.
The most recent example is with Amex. I use Hilton Surpass for non-category and it sometimes sees large expenses. It had been at $10k and four CLI attempts over a two year period were all unsuccessful. Meanwhile, my BBP sat at $20k, a card I value and consider a definite keeper, but also one I put very little spend on; we're 2/3 of the way into 2024 and it has only seen ~$320 in spend. There is no way to transfer credit limits from business to personal with Amex, so I asked for the BBP to be reduced to $10k. I also closed BCE and transferred $8.9k from it to Surpass before it closed, then a smaller CLI request for $1.1k was approved to get the Surpass to $20k.
Different strokes for different folks of course, but the above ultimately worked well for me - yes I went from $40k in CL between three cards ($20k BBP, $10k Surpass, $10k BCE) to $30k in CL between two cards ($20k Surpass, $10k BBP), but this also paved the way for a $14.9k Delta Gold Business approval, which "completes" what I am looking for as far as Amex revolvers, and all at limits I am happy with.
A less involved example was Discover It, which started out at $9k and saw an auto-CLI to $10.8k. I like round numbers and asked for it to be decreased to $10k, as well as to be excluded from potential auto-CLIs. I'll never need $10k and certainly won't notice the $800. Was it silly to ask for the CLD? In several ways, yes. I get that. But I'm happy with it.
Whenever a thread like this comes around, at least a few people say one should never request a CLD. And I honestly don't think that's a bad answer - generally speaking, most people will not benefit from requesting a CLD, so the "default" should be to not request them - but it is an incomplete answer, avoiding nuance and personal reasoning. While both examples involved a different approach and reasoning, I am happy with both CLDs, and that matters.
APR 
Chopping Block 
P2 Chopping Block 
Something occurred to me that I wanted to clarify. I have asked for CLD before, but it was transfer credit between accounts with a lender, not to reduce my Total Credit Line with that lender. So while that is technically asking for a CLD, it's more about the transfer and balancing limits where I see fit. I've done that (and it's an easy process) with Chase, BofA, and AMEX for examples.
Late to the party.
Have lowered a few CL's over the years.
I am in the later years of my credit journey, retired more than 16 years and financially secure.
I can't see a good reason for massive CL's for cards that get keep alive spend.
Lowered all my sock drawer cards down to 20k each.
Have a CU with zero rewards, no cash advance fee, and no BT Fee's.
Don't use the card for BT's or cash advance.
It lives in a CC file is in the sock drawer.
I keep it for one reason, it is 35+ years old.
It gets $5-$10 every 3-4 months, period.
It grew to $60,000 with keep alive spend.
Have not used the card for real charges for 25+ years
I CL decreased to $20,000, and last year they gave me an
unrequested additional $3,500.
So much for high spend being required.
I can't even get places to stop giving increases. 
I think 23.5k on < $10 every 3 months is all that is needed.