Originally Posted by
deant
Why would you have a "request for credit increase cycle"? When you ask for an increase in credit, they MAY do a hard pull on your CR. Just what you don't want.
Every bank / CC has a different cycle. For example, for Citi AA, you can only apply every 18-26 months. For Citi HHonors, it is more or less every 90 days (depending on what other pulls you have had). AMEX tends to be 1 year after closure of a card.
So as you can see, it all varies.
a few years ago (before i started doing app-o-rama for the sign-up bonuses), i used to ask for credit increases every 6 months to lower my debt-to-credit ratio