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Credit limit increases (CLIs) are common for credit card holders, though they can be somewhat mysterious. Customers often receive a letter notifying them of an increase, specifying the new limit and when it will take effect. CLIs typically occur through a regular program where credit card companies select customers based on straightforward metrics. However, certain criteria, such as a low utilization rate, may disqualify a customer from receiving an increase. Understanding how CLIs are determined involves exploring the selection process and the factors that influence eligibility for these increases.