When do you stop asking for CLI's

[Anonymous]

I've never asked for a cent above $10k on my Cap One card, because from reading on this forum the most common CLD from Cap One is on accounts with > $10k limits that don't get used enough.  Many a member of this forum have had their $15k, $20k or even $30k limits taken down to $10k simply because they aren't using enough of their limit.  My Cap One card resided in my SD for a long time, but since I recently did the QS to Savor PC, it will become usable again.

[joltdude]

I had a goal and its been mixed results reaching it...

I wanted all my cards at least 5k and preferably one at 10k..

Miss Disco is at a ridiculous 21300.... I have *no* need for any more love from Miss Disco

Id actually like to see my DC in the 5-6k area its down in the 3k area currently.. then i probably will close some cards =)

[peghede]

you never stop and always double dip and leave the table clean.

[Anonymous]

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@joltdudewrote:

I had a goal and its been mixed results reaching it...

I wanted all my cards at least 5k and preferably one at 10k..

Miss Disco is at a ridiculous 21300.... I have *no* need for any more love from Miss Disco

Id actually like to see my DC in the 5-6k area its down in the 3k area currently.. then i probably will close some cards =)

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I'd personally like to get my Discover It, Penfed and Apple Visas up to $10k to match my QS Visa and my Amazon, Walmart and Care Credit up to at least $5K - $7K each; I'm planning to close out my Capital One secured once it's paid off and the statement cuts, combine the QS MC with the QS Visa this summer and am beginning to think about closing Overstock sometime later this year.

[Anonymous]

Got some biggos...but AMEX NPSL does make life easier

[Peteyglad]

I am to the point where I will not take a HP for a CLI, but I will take a SP. Do I need the limit? No, but then again I don't need all these cards either. Asking for CLI's also quenches the yrge to apply for new cards .it is also a personal challenge to see how high I can get my limits .Sort of a game. 

[ecxpa]

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@Peteygladwrote:

I am to the point where I will not take a HP for a CLI, but I will take a SP. Do I need the limit? No, but then again I don't need all these cards either. Asking for CLI's also quenches the yrge to apply for new cards .it is also a personal challenge to see how high I can get my limits .Sort of a game. 

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I think your answer pretty well sums it up for a lot of us.........don't need any more credit but the urge is still there

[Anonymous]

I will stop when they stop giving me free money.

Oh and I wont take a HP for a CLI. 

Oh and they might give me 4k, I might use 40 bucks?  kek

But in all seriousness I already have way more credit than I could safely use.  I just do it for the lulz.

[Anonymous]

My goal is to get all cards over 10k, and I usually stop once over 25k. So far. I have a 40k Amex due to 3x Amex CLI from 15k.

My Amazon card at 8500 annoys me because Chase has no soft CLI so I'm not sure how to get that one up.

Basically my goal is to have a good score be WITHOUT having to micromanage my card balances by paying ahead of statement cut, etc, and just setting up a PIF autopay

[HeavenOhio]

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@Anonymouswrote:
My Amazon card at 8500 annoys me because Chase has no soft CLI so I'm not sure how to get that one up.

Basically my goal is to have a good score be WITHOUT having to micromanage my card balances by paying ahead of statement cut, etc, and just setting up a PIF autopay

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My Amazon card is at 7k, and I've decided to leave well enough alone. 10–15k would have me more comfortable in case I'd like to buy something expensive, but it's not worth the hassle and the mystery involved to try to increase it. In the past, when I've had something pricey to buy, I've found it to be cheaper and more convenient to go somewhere other than Amazon, so I think the 7k is probably fine.

One of my goals is three cards with limits of 15k or more. I currently have two, a Capital One QS at 16k and an AMEX at 24k. I've stopped asking for CLIs on those cards because I don't spend enough to support higher limits on any single card. The third 15k limit is likely to have to come from a card I don't have yet. I'm not in a rush to get it.

Another goal is no cards at under 5k. I have two ancient lower-limit Capital One cards that are just below that (a QS and a Savor). I'm not worried about limits on those cards being too high as long as I stop at around 7.5k or so. If Capital One doesn't want to increase the limits to 7.5k, I'm fine with that too.

My last card is an LL Bean Visa from Barclays. It's sitting at 5k, and because Barclays is Barclays, I'm leaving that one alone. It's really a one-trick pony anyway, as the only thing it's really good for is LL Bean purchases. If I increased the limit, I'd have to put more spending on that card to support it. I'm already giving it as much 1% spending as I care to.