- Centurion Member
- Posts: 3962
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
I'd also point out that it may be better to just take an occasional hard pull for a CLI on a card you like. Chase rarely gives auto-CLIs and requires a HP for customer requests, but your Freedom could eventually reach $20k+.
Then again, I'm firmly in the 'Rewards trump CLs' camp as you've probably realized.
I don't know how high CLs on regular BofA cards can go (outside of the ML card lineup).
The only auto-CLI I've ever gotten was about two weeks ago, taking Brooks Bros from $1,260 to $1,560. That's a gimmick - not a serious reevaluation of my credit risk. And I've not heard of anyone with a CL on that card above $4.5k.
I suggest finding cards with rewards you like, that also have the ability to grow over time - but with possible HPs. That would rule out some issuers completely, and also many cards from other issuers, but the remaining list of possible cards would still be long.
My $6k BCE sits in my wallet for weeks on end and even if it were $18k, would still be about as practical as a glass hammer. My $2k Freedom, by contrast, is an absolute workhorse.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May