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Regular Contributor
gen-specific
Posts: 215
Registered: ‎02-27-2013

CSP CLI earliest time?

I got my CSP account opened March 13th this year.

 

I've run it up to 30% and paid it off in full once.

 

I want a higher limit. This requires a hard pull.

 

Too soon? I'm currently gardening and churning to reach the promotional amount of points, this is not a problem because this will be my main card. But it currently has one of my lowest limits.

AMEX Blue 30k, Chase Sapphire Preferred 30k, Citi Thank You 24.9k , BoA VISA Rewards 17.5k, Wells Fargo 15k, Barclays 8.6k, Citibank Custom Credit Line 12k, Citi Diamond 7k, Macys/AMEX 2.5k/500

EFX 768, EXP 706, TU 747, AVG 740 GOOD - Oct 2013
EFX 667, EXP 658, TU 662, AVG 662 WEAK - Feb 2014
EFX ???, EXP 731, TU ???, AVG ??? ------------ Apr 2014
Valued Contributor
indiolatino61
Posts: 1,429
Registered: ‎11-10-2012

Re: CSP CLI earliest time?


gen-specific wrote:

I got my CSP account opened March 13th this year.

 

I've run it up to 30% and paid it off in full once.

 

I want a higher limit. This requires a hard pull.

 

Too soon? I'm currently gardening and churning to reach the promotional amount of points, this is not a problem because this will be my main card. But it currently has one of my lowest limits.


General wisdom would say to wait at least 6 months, but everyone's experience will be different. Some will get a CLI in 3 months and some will not have gotten one in over a year. Good luck.

 photo Logo-CreditCardCollection_zps2f177769.jpgWmart (TU): 802, Disc it (TU): 802, CKarma (TU): 767, AmEx (EX): 755, CSesame (EX): 710, Quizz (EQ): 778, myFICO (EQ): 770.
Oldest: AmEx: 26Y-2M, AAoA: 6Y-1M, Utl: 0.81%, 12/24 Inq: 5/15, Income: $99k, Garden: 03/30/2014. Updated 04/10/2014.

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