Have you read this thread?

If you click on Request Credit Line Increase, they'll either come back with immediate acceptance (granting you an increase), information indicating that you need to call a Customer Service Rep (denied), or the long form asking for more information. There is no inquiry unless you fill out the long form and click on submit.

(BTW - Your post is so terse it's almost cryptic. I'm assuming you mean CLI when you use CRI above. Slow down and take a second to write your post next time you have a question you want answered.)

If you did a full balance payment and current balance is 0 or near to it, what would be the smart waiting period to ask for an AE CLI, so the computer or human see that you have been able to handle full balance payment, etc.?

I just requested a credit line increase from BOA online and mine increased from 8750 to 16250. When you request the credit limit increase online it specifically says that they will NOT run a credit report on you but rather examine your account standing with BOA. I have a checking account with them along with a credit card that I have been using for 5 years with perfect payment history. Thats probably why the increase was so high.

I had discover at 10K CL for a few years and last year I asked for more and they did a hard pull and offered me only 14k. I called their CS and they connected me to a financial advisor, he looked at my account and said he could only give me 17k, i took it.

Also I have a BofA card that i got like 4 years ago and it started with 3k limit and it wen to 8600 by itself. I called and they give me a whooping $16100 CL without any pull. I was like wow! They also offered me 0% BT and waived the 3% $75 fee. I was like sweet!

The only thing I am confused about is how much does CL utilization impact your credit score. I read many different opinions, they range between 50% to 70% utilization.

Anyone know for sure about the utilization?

thanks

cap1 = crap1 and wont give you a generous CL unfortunately.

sandy05 said:AMEX Blue Ca$h 2000 -> 6000 -> 12800 -> 21000 within 20 months. Just by clicking on CLI link
What level of income did you declare for this?

davef139 said:Ok I've just done a mini-aor where I got 5 new cards, I was thinking about how I could have gotten higher CL. For all the cards I put my sole income down 24k, I live at home with my parents should I start putting down the total household, comes out to about 100k I would assume or do you think this would just raise some redflags?

I see there was no reply to this and I am also wondering should I just say my Income of $45000 or though in the rest of the house? Thanks

Depends on what the apps ask. Do they ask for household? Then put down household.

If it asks for PERSONAL income, then put your personal income. Cant be more clear than that :-P

lukeb5301 said:davef139 said:Ok I've just done a mini-aor where I got 5 new cards, I was thinking about how I could have gotten higher CL. For all the cards I put my sole income down 24k, I live at home with my parents should I start putting down the total household, comes out to about 100k I would assume or do you think this would just raise some redflags?

I see there was no reply to this and I am also wondering should I just say my Income of $45000 or though in the rest of the house? Thanks

MBNA, got an auto CLI 1 or 2 statements ago. Got full form when clicking on CLI on the web, but when I called about something else I also asked if a CLI was avalbile...yes $7200 -> $8200. Possibly more but probably needed a hard pull.

shnap52 said:USAA offered 0% with 0 fees on my MC account last month. Line was already $11k, rep mentioned requesting higher limit, so I said why not? I gave her total household income ($100k), and she came back in less than 30 seconds," looks like they approved you right up to $30k."

And so started my first venture into interest rate investing with 0% offers

Are you military? I have never received a 0% BT offer from USAA. I have had a card with them since 2001, but I am non-military.

I also just had CLI up to 30K from 12.5k on my card and 30k from 20k on wife's card. Although I requested it through the website and not on the phone. Asked for household income, that was it.