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Cli Question

Established Contributor

Cli Question

Hey guys, just wondering whenever I call to request a cli for a card, should I make sure my reports are clean of say inquiries ???








In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $15,000, Amex Starwood $10,000, Chase Freedom Visa Signature $10,000, Chase Sapphire Preferred Visa Signature $15,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $10,000, Cap One Quicksilver MasterCard $6000, Citi Prestige World Elite MasterCard $10,000, Citi Forward Visa $6900, Citi Premier World Elite MasterCard $5,800, Discover IT $8500
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2 REPLIES
Valued Contributor

Re: Cli Question

     Inquires are not a big deal as long as they don't get out of hand. Those that have been on your report over 1 year will not contribute to your fico score, and inquiries over 6 months old weigh less on your score. Your reports will show record of hard inquires for a maximum of 2 years from the date that the inquires were made.  Generally, number of inquiries should not be a determining factor when it comes to requesting a CLI or not. You may have a higher score if you wait for them to fall off but the difference will probably be very small. 

    Requesting a CLI may add a hard inquiry to your credit report. Different companies have different policies regarding this. Some soft pull, some hard pull. 

Message 2 of 3
Established Contributor

Re: Cli Question

Ah ok. I'ma request one for my chase freedom and also my barclays rewards mc.








In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $15,000, Amex Starwood $10,000, Chase Freedom Visa Signature $10,000, Chase Sapphire Preferred Visa Signature $15,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $10,000, Cap One Quicksilver MasterCard $6000, Citi Prestige World Elite MasterCard $10,000, Citi Forward Visa $6900, Citi Premier World Elite MasterCard $5,800, Discover IT $8500
Message 3 of 3