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severine
Posts: 120
Registered: ‎08-19-2012

CLI increase question

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‎09-02-2012 09:03 AM

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 | Discover 9.75k | Citi Diamond Preferred 11.9k | Chase Freedom 8.9k | Chase Sapphire Preferred 9k | US Bank Cash + Visa 13k | BankAmericard Cash Rewards Signature Visa 9.5k | M and T Bank Visa 10.9k | FICO TU 793 EQ 793 EX 784
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New Contributor
DVH1980
Posts: 207
Registered: ‎08-24-2011

Re: CLI increase question

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‎09-02-2012 09:06 AM

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.

My wallet:
Amex BCE|USAA Platinum Visa 3k|Barcalys Apple 3.5k|Veridian CU 5k|Discover It 3k|USAA Secured Amex 500|Amex Zync|USAA Patinum MC 3k|
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Mega Contributor
LS2982
Posts: 15,097
Registered: ‎04-09-2011

Re: CLI increase question

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‎09-02-2012 09:07 AM

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 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 684 / EQ FICO 664 / TU08 FICO 687 / TU98 FICO 672 / TU VS 711 6/16/2013
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Contributor
severine
Posts: 120
Registered: ‎08-19-2012

Re: CLI increase question

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‎09-02-2012 12:21 PM

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 | Discover 9.75k | Citi Diamond Preferred 11.9k | Chase Freedom 8.9k | Chase Sapphire Preferred 9k | US Bank Cash + Visa 13k | BankAmericard Cash Rewards Signature Visa 9.5k | M and T Bank Visa 10.9k | FICO TU 793 EQ 793 EX 784
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