The CLI increases the denominator in your overall % util calculation, which, if you dont increase your spending (i.e., the numerator) will result in a decrease in your overall % utilization.
However, credit card companies expect, from their extensive user data, that most consumers will, when they get a CLI, also increase their card usage, maintaining approx the same % util thst they had prior to the CLI. Ergo, more $$ in their pocket, and thus their reason for granting CLIs.
If you have will power to use the CLI to reduce your % util without the impulse to increase spending,then it can be a score benefit.
Most consumers dont have that will power......
there is also a proponent to CLI that, if used, could increase your score. The utilization factor and CLI takes on a strategic affect when used correctly. Again, thanks.