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Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
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Best way to get a CLI: by phone or by LUV button?

In you guys' experience, did you have better results clicking online for a CLI request or calling them in person?
Super Contributor
Posts: 5,703
Registered: ‎10-06-2007
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Re: Best way to get a CLI: by phone or by LUV button?

I would call first.  There may be a reason that you wont qqualify for the CLI that the CSR can check without a inq in your CR.  For example:  Age of the account, date of last CLI, late payment.
11/28/2014 FICO: EQ: 796 EX:788 TU:803
Valued Contributor
Posts: 1,694
Registered: ‎08-07-2007
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Re: Best way to get a CLI: by phone or by LUV button?

It depends, but I usually call. Reason being, is that sometimes you may not qualify and they will let you know if they think you won't, or suggest a lower amount, or let you know that now may not be the best time and what would be the best time to try again.
Super Contributor
Posts: 8,182
Registered: ‎03-25-2007
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Re: Best way to get a CLI: by phone or by LUV button?

I have always called.  I can sometimes get a feel for what is happening with the better cards that way
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Valued Contributor
Posts: 1,694
Registered: ‎08-07-2007
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Re: Best way to get a CLI: by phone or by LUV button?



MidnightVoice wrote:
I have always called.  I can sometimes get a feel for what is happening with the better cards that way


Right. Also, you may be approved, but they might suggest that they feel like you would be approved for a 2500 increase rather than a 5K increase. So they tend to be able to tell you what is more likely to be approved beforehand even if it is going to be a soft inq.
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