- Centurion Member
- Posts: 4060
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
I'm in my 14th month with Sallie and 5th month with Arrival. I've not gotten any auto CLIs on either card, nor have I been willing to take a HP to request one.
I've not used either card much, and anecdotal evidence suggests Barclaycard really likes steady business and high spending relative to CL when considering auto CLIs.
Lately, I have changed two things that may increase the probability of a CLI on Sallie Mae. It's not my goal, but it may be a side effect:
1. I moved some CL ($2k of $4.5k) from Sallie to Arrival. I did this because Sallie has low caps, and Arrival is my only no-FTF card with even an online PIN. All my travel lately has been domestic, so I've not used it much. I just figured I'd reallocate the limit now in case Barclaycard adopted a stricter CL reallocation policy. A side effect of this is that spending on Sallie leads to high utilization more quickly, which may increase the odds of a CLI.
2. I'm "experimenting" (mostly amusing myself) with my spending to see if a change will trigger a CLI (on CSP) or some promotional rewards or APR offer (on anything). I'm using EDP less and Sallie and CSP more.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech