Citi Credit Line Increases (CLIs) are supremely easy to do (surprisingly). I was maxing out my Access More card each month, and cycling credit on it due to MS. I'd rather not poke the bear, so I Googled around, and all info I found was out of date about CLIs. DoC had a great post about it, but it was 2 years old, so I didn't put too much trust in it since things change so quickly in this game. I was the data point I wanted to see. Turns out it's super simple to request a CLI from Citi, and Citi even forewarns you if it'll be a hard pull or soft. Log in, click to Account Management -> "Request a Credit Line Increase" If you see this, there is a hard pull to increase your limit: If you see this, there is no hard pull: Done and done. Citi doubled my AxMore credit limit with a couple of clicks and no hard pull.