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Hi everyone, I'm trying to figure out the timeframe and frequency for CLI's on all my cards. A few I know/have figured out from here but any tips would be appreciated.
Card/CLI Timeframe
NFCU cashRewards - ideal to wait until 6th statement cuts. their system will counter for your internal max if you req $25k. always a hp.
USAA Platinum - ? I think you can request a cli but not sure of the timeframe, if they do auto cli, counters, etc. prolly always a hp?
Chase SP - ? heard of auto cli after some time. not sure otherwise. always hp as well?
BOA Cash Rewards - ? not sure.
Discover It - heard they like to see balances instead of PIF before statement cuts. not sure on timeframe.
Fingerhut - already given 1 auto cli about 3-4 months in + a letter in the mail insinuating they give frequent cli's.
Chase and Bank of America let you ask for an increase whenever you want; you could ring in everyday if you felt like it. They've always been a hard for me, but some people say they've gotten a soft.
@chadwick wrote:
Thanks. Any ideas on auto CLI's or is it mostly YMMV?
YMMV.
Heavy usage sometimes help with auto CLIs, but it's not guaranteed either.
I always think 6 month's at minimum and 12 months ideal. AMEX is the exception.
@chadwick wrote:
Thanks. Any ideas on auto CLI's or is it mostly YMMV?
Pretty random.
Cap1 is really the only predictable one with credit steps.
Just be sure your report looks as good as possible before a CLI attempt.
@chadwick wrote:
Thanks. Any ideas on auto CLI's or is it mostly YMMV?
My BOA was auto CLI at exactly one year since my last CLI. I hadn't asked for a CLI during that one year period.