11-27-2012 02:46 PM
2012 has definately been my year - getting approved for things I've never been approved for ever (my fault of course). So now I'm in the Prime CC and 700 Club I want to plan out my next set of CLI's at the 6 month mark using this forums vast knowledge and experience. I've already been successful with an AMEX BCE 61 day 3x CLI, so now I'm curious how that works for my other cards.
How much of a CLI should I ask for? Which ones are hard pulls? Which ones are soft pulls? Do some cards require more than 6 months after activation? Here are cards up for a 6 month CLI:
Chase Freedom (I plan on a CSP in the fall of 2013, so perhaps a CLI of $2500, bringing me to $7500?)
Discover It (obviously with a $10k limit now, I don't they'd do a 3x!, so I'm thinking maybe $15k?)
Also, when do I do the AMEX BCE CLI? Like I said, the 3x CLI at 61 days worked out, but do I count the 6 months from date of activation, or from the last CLI?
My calendar is ready to be marked...
11-27-2012 08:20 PM
I usually always ask for double my current limit for my credit lines, asking once a year.
For Chase, you can go for a little more, maybe round it out to $10k? They are more than likely a hard pull and you have to call it in.
Discover after 6 months is more than likely to be a soft pull, but i have heard of hard pulls happening. Go for 20k if you like! But 15k would be the safer bet. Usually they'll warn you if a hard pull is needed.
AMEX BCE CLI is 6 months AFTER the 61 day CLI. And don't forget it!
Hope that helps
11-28-2012 07:18 AM
Ya, I think I'll shoot for $15k on the Discover. I wouldn't know what to do with myself if I had a $20k credit line. But some of you are used to that...