scrapbkn Posted March 30, 2021 Share Posted March 30, 2021 I've been encouraged to ask for CLI on my cards by several members here. My question is this: Given my scores (clean reports, 750s average), and our combined income of $60,000 (unfortunately, our income took a huge dive when I had to go on disability,) how far should I push when asking for CLIs on my various cards. I already know Cap1 hates me, and I haven't tried any of the others yet. Below are my cards, my current limits and when the accounts were opened. Thanks for your advice. Wells Fargo $3,800 Jun-15 Capital One Quicksilver $1,600 Mar-16 Monroe and Main $1,600 Dec-16 Capital One BuyPower $850 Mar-17 Walmart $650 Jan-18 Chase Amazon $2,000 Oct-18 BBVA $3,600 Feb-20 Bank of America $1,500 Mar-20 WF Propel AmEx $6,000 Apr-20 Citi $4,700 Feb-21 Lowes $1,200 Mar-21 Amex Blue Cash Everyday $4000 Mar-21 Quote Link to comment Share on other sites More sharing options...
haydeno Posted March 31, 2021 Share Posted March 31, 2021 I haven't encountered issues income being the limiting factor until the limit with that issuer was between 25-40% or so. If you have high dti that could be a factor but otherwise on 60k income I would likely ask for 10-20k and see what they come back with. Getting a 2nd\3rd cards and combining them was how I increased my limits quickly. Quote Link to comment Share on other sites More sharing options...
pwd847 Posted March 31, 2021 Share Posted March 31, 2021 $20,000 easily I've got a $50,000 Discover with my income listed as $62,000 ( I probably should update that). Quote Link to comment Share on other sites More sharing options...
centex Posted March 31, 2021 Share Posted March 31, 2021 Review first to see who wants a hard pull versus a soft pull. BofA is usually a soft pull and will allow you to put in a requested line. They may not give all of it to you, but if you get the link to increase the limit, then go for it...on a year-old card, you can probably ask to go to $5K and expect a counter of $3K. Citi used a hard pull the last time I sought a CLI. I don't use the card much, so I have not asked again... BBVA...have one of the cards but have not pursued a CLI. Don't have CrapOne or the stagecoach, so have no idea about their practices. Quote Link to comment Share on other sites More sharing options...
pwd847 Posted March 31, 2021 Share Posted March 31, 2021 Citi will tell you if it is HP or SP before they do it. Just read the fine print under the submit button. Quote Link to comment Share on other sites More sharing options...
cv91915 Posted April 1, 2021 Share Posted April 1, 2021 Capital One may be a notable exception, but most issuers don't let you specify a target credit limit, they'll just approve what they want to give you. Just ask for a CLI on each account every six months. Quote Link to comment Share on other sites More sharing options...
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