CLI

[Adiff]

Just got finished my first app spree and walked away with a Chase Freedom (2,500), Barclays Rewards (2,500), and a Bank of America (1,500) rewards. I am kind of excited. Any advice on how to manage these cards over the next few months to maxamize the CLI on them?

[BigBS]

Congrats!

[coldnmn]

Congrats! If I were you hold off applying for any more cards and pay off all but one of your cards before statement cuts. The one card have a balance <9% and pay that off before due date to avoid interest. 

[Adiff]

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@BigBS wrote:

Congrats!

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Thanks!

[Adiff]

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@coldnmn wrote:

Congrats! If I were you hold off applying for any more cards and pay off all but one of your cards before statement cuts. The one card have a balance <9% and pay that off before due date to avoid interest. 

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Thanks! How long should I wait til I ask for CLI? Could I call now to test?

[MsLadyRover]

Congrats OP!

[YahComb]

unfortunately, all three of the issuers you got cards from are likely going to be hard pulls if you personally request any cli.

of the 3 you have there, I would say barclays is your best bet for a quick auto-cli if you use it a lot and pay it down quickly. look around the forums and you'll see a lot of people getting automatic cli's in 3-6 months.

if you aren't worried about a few more hard pulls, i'd say BOA is your best bet to grow your credit limit quickly.  So far i have not been denied the full amount on any CLI i have requested in the 2.5 years i've had it. It's still very 'YMMV' but they don't seem to have any hard-set time limit between cli's. Back when my BOA card unsecured, i was granted 2 clis in a 4 month period.

[yudeology101]

WTG Congrats on a successful app spree!!  I've been seeing Chase has been giving auto luvs before 4th statement (YMMV) with heavy usage,  Barclays + BOA is 6months so manage the cards well!

[coldnmn]

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@Adiff wrote:

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@coldnmn wrote:

Congrats! If I were you hold off applying for any more cards and pay off all but one of your cards before statement cuts. The one card have a balance <9% and pay that off before due date to avoid interest. 

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Thanks! How long should I wait til I ask for CLI? Could I call now to test?

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A min of 6 months. Barclay has given me an auto CLI every 6 months. Asking for a CLI will more then likely result in a HP and chances are be declined before 6 months. YMMV

[Adiff]

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@yudeology101 wrote:

WTG Congrats on a successful app spree!!  I've been seeing Chase has been giving auto luvs before 4th statement (YMMV) with heavy usage,  Barclays + BOA is 6months so manage the cards well!

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Thanks! I guess will be using these cards then paying them right back off!