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Contributor
Posts: 122
Registered: ‎08-19-2012
0

CLI increase question

I have an app with Amex that is currently pending, I'm told that it will likely be decided upon this Tuesday. Here are my questions:

 

1.) Is this a stupid time to ask for a CLI on my BoA card? It's my lowest CL.

 

2.) Will a CLI with BoA and Citi be a hard or soft pull?

 

Thanks in advance for any answers you might have!

Amex PR Gold NPSL | Amex BCP 16.5k| Amex Delta Gold Skymiles 14.9k | Amex BSP 5k | Discover 12.5k | Citi Diamond Preferred 11.9k | Chase Freedom 12k | Chase Sapphire Preferred 12k | US Bank Cash + Visa 13k | BankAmericard Cash Rewards Signature Visa 9.5k | M and T Bank Visa 10.9k | FICO TU 784 EQ 768 EX 784
Contributor
Posts: 255
Registered: ‎08-24-2011
0

Re: CLI increase question

I would determine if it was the righ time to aske for a CLI based on how long it has been since my last CLI, nothing else.

I would also take into consideration how much my reports have improved, just in case they are HP's for the CLI. No sense in taking an INQ for 500.00 bump if my score hasnt changed much.

*USAA WORLD MC 12k* *USAA VISA 12k* *AMEX BCE 6k* *DISCOVER IT 11.5k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: CLI increase question

Citi and BofA will likely be a HP. Citi could possibly be a SP but I wouldn't count on it. Has AMEX already pulled your credit?



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Contributor
Posts: 122
Registered: ‎08-19-2012
0

Re: CLI increase question

Well, Amex HPed me on 8-27 for the Delta Skymiles card--does this mean they won't HP me for the BCP?

Amex PR Gold NPSL | Amex BCP 16.5k| Amex Delta Gold Skymiles 14.9k | Amex BSP 5k | Discover 12.5k | Citi Diamond Preferred 11.9k | Chase Freedom 12k | Chase Sapphire Preferred 12k | US Bank Cash + Visa 13k | BankAmericard Cash Rewards Signature Visa 9.5k | M and T Bank Visa 10.9k | FICO TU 784 EQ 768 EX 784
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