editor's criteria. Either you qualify or you don't. Creditors don't just determine whether or not to hand out CLI's based on whim or mood. Again, usage may play a small part in some cases but it will not make or break a CLI on its own or overrule credit and income. People tend to assume causality and simple, direct relationships far too easily.
i'm not going to get into an argument with you because i know it's pointless. but, why you act like some creditors aren't more conservative than others is beyond me. your "rational" and "unbiased" opinions are very repetitive and never really as helpful as you seem to think they are.
Not to jump into a "not fight" but the reason his posts are repetitive is because people tend to ask the same question repeatedly and or present the same baseless assumptions repeatedly.
I have a pretty diverse set of prime lenders and I would say that the lenders are fairly consistent with their behavior. Your profile will also look different to all of your lenders depending on when you applied / what info you provided at the time of application vs. now. I.E. When I got my BoA card I was a first year student and now I've been in the job force for almost ten years. Big difference...
Either way, perhaps the perceived stinginess from Citi on the BestBuy card is because it's a BestBuy card. You're very likely to use it to buy whatever you want at BestBuy regardless of the credit limit.
I don't particularly find any lenders to be more or less conservative than others. Again, some will react differently to different changes in your profile, but I would label those preferences, not different levels of conservative behavior.
If you have very high income and very good credit and it was the same or relatively the same across all the bureaus and your behavior was constant and so on and so forth, the lenders would 95% behave the same way. Citi might behave very differently from a small bank somewhere or a credit union, but Citi, Wells Fargo, BoA, Chase, Amex, Discover would all behave very similarly in my opinion (based off of the information provided to them).