A CLI is a good thing - it means you have 2 good scores. A good internal bank score and a good fico score. These scores are combines to give you a risk profile and then that's where you fall in the strategy. Where you fall in the strategy determines the amount of a credit increase that you receive.

Credit card customers are segmented into two distinct groups (for the most part but there can be more), transactors or revolvers. Transactors pay their balances every month or for the most part, and revolvers maintain a balance.

Each issuer can have a totally different strategy on how they base their credit limit increases for that time period. There can be multiple strategies and they can be different for each card product. Also, when you get them can range, but typically every 6-12 months

If you state that you got screwed over because of having x amount on your card, well it isn't that simple. Was that your only open line of credit? Revolving credit line? What was your debt to income ratio? Assets Etc. Of course if you have only 1 credit card with 80% utilization and that's the only credit you have that's not ideal, but there are a lot of factors that make up your credit worthiness.

If you revolve on your credit cards and you are trying to buy something pay off your credit cards in advance as far away from the purchase time as possible. It's still Ok to use it but keep the purchases to a min where iot won't affect your debt to income level. If you're a revolver than it doesn't matter because you pay off your cards in full every month. If you are trying to get a loan from that bank they will see that behavior. Sometimes timing can be an issue, but they will look at so many other things as I stated before.

It's a good practice to call up your cc company a request a credit line increase once a year to increase your total available credit lines. This helps reduce your debt to I've ratio tremendously.

It's. A good thing so be happy because it signals that you are doing the right things.

Keep on keeping on.