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How to calculate time until the next CLI?

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masscredit
Valued Contributor

How to calculate time until the next CLI?

When we say try for another CLI every 3 months, 4 months, 6 months ect... are we calculating that based on a calendar month. Like the last CLI was Oct 1st so if the credit card company might do it every 3 months then try again on Jan 1st?  Or, is it based on days? Like each month of time is considered 30 days?  I usually don't think to much of this but I have one that does it every 6 months. Last one was June 4th so I'm anxious to try again at the 6 month mark. 

 

I each month is considered 30 day. If so, I'm going to have to start counting Smiley Happy 

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 687 / TU - 663/ EX - 677

SDFCU Secured - $5000 / TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $5000 / Capital One QuickSiver - $4500 / Ally Master Card - $2800/ Walmart Mastercard - $2250

Andrews FCU SSL $1500
Message 1 of 9
8 REPLIES 8
Gmood1
Super Contributor

Re: How to calculate time until the next CLI?

You can use this site http://www.convertunits.com/dates/daysfromdate/  and get exact day. It is by days not date on the CLI's..at least in my case, it has been that way.

Message 2 of 9
NRB525
Super Contributor

Re: How to calculate time until the next CLI?

My preference is to just note the day I got whatever change it was, then based on the estimated wait time, wait that number of months plus at least a week or two.

That makes certain the wait time has passed, and avoids any delays caused by moving too soon.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 3 of 9
Marcos8
Established Contributor

Re: How to calculate time until the next CLI?

All of my cards are on a 6 month interval between CLI requests. I set an alert on my phone calendar for 182 days and that has never failed me yet.  

Message 4 of 9
tntexans72
Valued Contributor

Re: How to calculate time until the next CLI?

I do it after the 6 statement cuts like clockwork. That's an efficient timeframe for them to see activities. 

Message 5 of 9
masscredit
Valued Contributor

Re: How to calculate time until the next CLI?

I just saved that website. It makes life a lot easier! Based on the calculations, December 1st made 6 months. Cap1's site confirmed that with a nice increase. 

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 687 / TU - 663/ EX - 677

SDFCU Secured - $5000 / TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $5000 / Capital One QuickSiver - $4500 / Ally Master Card - $2800/ Walmart Mastercard - $2250

Andrews FCU SSL $1500
Message 6 of 9
Gmood1
Super Contributor

Re: How to calculate time until the next CLI?

Yup..Capital one is every 90 days. Amex is exactly 180 days from first cli.
Message 7 of 9
masscredit
Valued Contributor

Re: How to calculate time until the next CLI?

Isn't Cap 1 every 6 months?  I tried after 4 months and was denied. I forget the exact wording but it pretty much said it was to soon.

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 687 / TU - 663/ EX - 677

SDFCU Secured - $5000 / TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $5000 / Capital One QuickSiver - $4500 / Ally Master Card - $2800/ Walmart Mastercard - $2250

Andrews FCU SSL $1500
Message 8 of 9
Gmood1
Super Contributor

Re: How to calculate time until the next CLI?

^^^ Not for me, In fact both Cap 1 and Discover have been like clock work(90 days).
Message 9 of 9
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