Any harm to CLI requests?

[Anonymous]

Is there any harm to asking for CLI several times? I know its a SP. Is it even necessary to do it any more than once during a billing cycle? I've had them for a year and no CLI     

[gibeon]

Which Bank/Credit Card are you asking about?

If it's Capital One, they don't seem to care. I'm not sure about the others.

[pizza1]

um..card/bank?

Would help to know who it is, so we can give you a pointer tip.

[Anonymous]

realistically asking more than once a statement is quite pointless. yes some people get declined the CLI only to get one a day or two later but they would have gotten it next statement too. no point in pressing it daily. that's quite obsessive

[Anonymous]

Discover and AMEX

[Anonymous]

discover will just mail you a denial and amex won't budge if you've been denied for at least 91 days.

[Anonymous]

I imagine if they have to send a denial letter every time they might take notice. If you're denied their is a reason given, until that reason is corrected I can't see the point in continuing to ask. If you ask me that sort of behavior reeks of desperation...something creditors don't like.

[kdm31091]

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@Anonymous wrote:
I imagine if they have to send a denial letter every time they might take notice. If you're denied their is a reason given, until that reason is corrected I can't see the point in continuing to ask. If you ask me that sort of behavior reeks of desperation...something creditors don't like.

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This exactly. No reason to hit the button daily or weekly. You're just poking the bear and appearing desperate.

IMO once a billing cycle is enough, or whenever you've corrected whatever the problem is on the denial letter, which could take several months depending on what the reason is.

[Anonymous]

You have to wait 180 days for a CLI (or 90 days after you've been denied) for Amex. Discover is 90 days but YMMV.