Interesting Barclay blog entry on how they decide CLI and CLD. This would have been helpful to the OP:
Part 1
Part 2
Look at the left side of the graph in part 2. That is where most of us live.
Edit: Maybe someone should show a 15% balance on 150K open credit and see if that works in getting card #3 or more.
Thanks for the read. It's interesting that only 2-3% percent of their card holders have 2 or more cards with them.