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CLI...

New Contributor

CLI...

Hello All, whats the soonest you have pressed the CLI/Luv button or called for a credit limit increase after being approved...Please tell what type of card, amount and/or approval/denial or even Recon if applicable... Just Curious
8 REPLIES
Valued Contributor

Re: CLI...

I got most of my cards before I started following this forum so I wasn't knowledgeable enough to ask for a CLI upon activation.  Standard rule for me has always been 6 months (with 1 exception).  

 

Highlights include:  

Alliant Visa:  6 month mark-$500-$15K Regular Visa to Platinum Rewards Visa

Nordstrom Store Card:  6 month mark-$4K-$6K Store Card to Visa Signature conversion.  

PSECU PSL/Visa combo:  3 month mark-$5K-$10K, 6 month mark-$10K-$20K

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
New Contributor

Re: CLI...

why 6 months?
Valued Contributor

Re: CLI...


GABrown wrote:
why 6 months?

My assumption is they want to see how you handle the credit line that has been given to you.  Some creditors like Barclays have been known to give CLIs upon approval or activation if you try to recon.  

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Established Contributor

Re: CLI...

+1

Established Contributor

Re: CLI...

GE Discover after 2 mo's.. prob a holiday thing and Chase immediately after approval..can do cli's anytime with hp...

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
New Contributor

Re: CLI...

whats the difference between hard/soft pulls?
Member

Re: CLI...

Unless you're dealing with AMEX (61 days for first CLI, every 6mo after) the 6 month mark is generally a good rule of thumb.

 

I will only go for CLI if it's a soft pull. I've noticed that every single one of my cards has been chasing each other limit wise (with auto CLI) since my first AMEX CLI. I was just approved for the NFCU Cash Rewards Visa Signature and am curious what the other cards will do now that I have a $20k card reporting

Highlighted
Frequent Contributor

Re: CLI...

I did it 1 month after I got my Freedom card. It was my lowest limit at 1k so I requested 5k after 1 month looking for a total of 4k in CLI. After the CLI request, I got denied for the full 4k CLI requested and they only gave me 1.3k. Annoyed, I reconned and got the full 5k I requested. 

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.