When do you stop asking for CLI's

[UpperNwGuy]

I've never asked for one in my 44+ years of having credit cards.  They sometimes come without my asking....

[Anonymous]

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@UpperNwGuywrote:

I've never asked for one in my 44+ years of having credit cards.  They sometimes come without my asking....

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I have never asked for one either... I do often ask for CLDs though since I'm not comfortable carrying any card with a limit that I couldn't easily PIF if I somehow went hog wild and maxed it out.  After all, what good is a $10K or even $5K limit when I can't afford more than $1000-1500/month of card spending?  It's a waste IMHO.

On my two BoA cards, I had auto CLIs suppressed.  I haven't done this on the Chase card yet, but if it starts doing the CLI after CLI thing I will.

[pizza1]

The world is never enough.....

[bizarrocreditworld]

I stop at $15,000, however, not all CLIs are alike. If the CLI puts me over $15,000, I stop there.

Sometimes, the SL is high enough.

[Anonymous]

I request a CLI now and then, especially when I am almost postive it will be awarded.

[MrDisco99]

Depends on the issuer. With very few exceptions I won’t HP for a CLI.

I got pretty high limits from Amex already. I got CLIs on my BCE (including a 3x after the first two months) which I’ve mainly used to redistribute among my other cards to get them all around $20k each which I feel like is good enough.

With BoA I got CLIs last time I HPd and got denied for the Premium card. They are at $12k each now. I might ask for CLIs again if I try for the app again (maybe go for $20k) but I won’t HP just for a CLI.

My Barclay limits are not quite where I’d like them to be but I won’t HP for it.

I asked for one from Cap1 on my $10k QS and they denied it so I think I’m just gonna leave that one where it is.

My Chase limits were pretty high when I got them so I’m leaving them alone. They don’t get big charges anyway.

My Citi cards are at $8k and $10k. I use them a lot and I can’t wait to SP CLI them again. I might stop if I ever get them to $20k or so.

I got a HP CLI on my Synovus Card because it was at $1k and I wanted to be able to use it regularly without worrying about util. They raised me to $9k and I’m happy with that.

[imaximous]

I don't ask for CLIs if they're a HP, unless I really want to increase the limit on that particular card for a reason.
For my daily driver, I'd like it to be at under 15-20% utilization when statement cuts in case I can't pay down before that happens. That was the case with my Venture at $33k CL and charging anywhere from 2k to 5k monthly, and PIF.
Now that I just got the US Bank Altitude with a low limit of $5k, the plan is to use it, pay down and repeat till I qualify for a CLI. I'll use it heavily in hopes that they'll accelerate my CLI.
For any other card, if I'm at or over $10k, it becomes a non-priority to get more credit because I don't really need it and I don't like wasting CLs.

[K-in-Boston]

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@Anonymouswrote:

As with many topics credit-related, responses to this one can vary greatly and be extreme on both ends.  You have some people with a single $500 starter card or two that will literally go their entire lives without ever asking for a CLI.  Maybe they get an auto-CLI or two along the way, but they're ultra conservative and never ask for a thing.  On the opposite end of the spectrum, you've got people that will never stop asking for CLIs.  They're super aggressive and will request them and take them as often as they are allowed to by the lender.  There are a fair share of these people on this forum.  Most, like those that have replied thus-far in the thread above, fall somewhere in the middle.

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 You rang? 

I stop asking when they stop giving, or if it's a HP and I know it wouldn't be worth it (example: PenFed where I have two cards with $49k in limits; since they now cap overall credit card exposure at $50k it's not worth it).  Your later daily driver comment (I went a little too snip crazy on the quote) is perfectly on-point, and is why I am aggressively trying to get my Starwood card into the stratosphere.  With $6-8k of average monthly spend on that card alone, the $21k credit line doesn't cut it when it comes to keeping utilization under control since I don't pay mid-statement.

[Anonymous]

At this point I have personally stopped asking for CLI's. I am content with the limits I have, which total well above my yearly income. I have noticed since I stopped asking, I've been getting quite a few auto increases, which is something that never occurred previously. I am beginning to think that is not a coincidence....

[Shooting-For-800]

$30k seems to be the place to stop with Cap One so I stopped on all three of my 20k+ cards.

Everything else I am still trying on every 6 months or so.