I can't recall when my first CLI was when I got the First Premier card, but I do know that they only issue one CLI in a 12 month period and they stick to that (atleast from my experience). I had requested on CLI's online and got the response instantly. Maybe you'll want to try that next time, but be aware that could be a year from now. Good luck on your current request, I hope it gets approved. It will likely be a measly $100. I really can't stand First Premier, their fees are outrageous and they are SO stingy! But, like many others, they were there when I needed them most and no one else would give me a card. Try not to be disappointed no matter what the outcome, and try to look at it like this...you are using them just as much as they are using you! When you finally don't need them anymore, it will make you feel good to kick them to the curb!