does anyone ever request a cli if there is a balance on the card?

[dominow]

i was curious. would that throw a flag to the ccc? iwould not have more than 30% util on that card and around 14 util overall.

[aubie1kenobie2]

Which card? I had about 15% balance on my Amex when I requested for a CLI and was approved. I think it's a YMMV thing.

[CreditMagic7]

This is where the waters are murky. At least on my end. I ran the gambit with PIF, roll a balance for 30-60 days then PIF on Discover - Capital One GM - Citibank, and at 6 month point Discover + Cap1 are no goes without a HP. Citibank on the other hand blowed me away with a CLI x3! at, get this, 3 month point.

[arrazola_a]

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@dominow wrote:

i was curious. would that throw a flag to the ccc? iwould not have more than 30% util on that card and around 14 util overall.

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I hit the luv button on capital one website when my util was around 65%
 with my current score and they increased my limit by 1k. Guess it just depends on which lender it is.

[Leadberry]

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@dominow wrote:

i was curious. would that throw a flag to the ccc? iwould not have more than 30% util on that card and around 14 util overall.

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I don't see an issue with this.  Be prepared to have to explain your reasoning, however.

[clocktick]

Yup, I've done it and had no issues (I PIF though if that matters).

[Anonymous]

Carrying a balance may make you more valuable to the CC company, and hence improve your chances for a CLI.

[Stralem]

I asked for and received a CLI on both my Freedom and Discover cards, with both carrying balances. The Freedom was at 80% util (because of the pathetic limit) and the Discover was a little over 60%. Neither of the analysts mentioned my current balances. They just said that even though I revolved balances, they liked how I always paid 7x-10x the minimums and always before the due dates.

I believe that I also had a small $148 collections on my reports at that time... *shrug*

High util isn't a dealbreaker. Just be prepared to explain.

[Anonymous]

I had a balance on my Boa Card, about 50-55% (limit was 700), I requested a PC to the cash rewards card, and a day or two later requested a increase just for kicks. Went from 700 to 2000.

I never made just the minimum, except for a month or two, and never late.

[Pat94108]

I think it's definitely a YMMV thing and it depends on the lender etc. I don't think it's that bad for you.