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Timing for 1 new App and 2 CLIs

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PaBill
Regular Contributor

Timing for 1 new App and 2 CLIs

I'm going for a Barclays Arrival card in about 2 weeks.  I would also like to go for CLIs on my Citi (Home Depot) and Iberia cards.  TU/EQ/EX are all high 700's and probably at least 2 will be low 800's by then.  UTIL on 2 exiting cards is only 3%.  Main one is Barclays, so I'm going for that first.  Any suggestions on timing of CLIs?  (Same time?  Wait a bit?)  No CLI requests for a few years.  No Apps in 3 years.  No Inqs in a year (mortgage).

 

Also, based on what I can tell from the Credit Boards (which are outdated), Barclays pulls TU, Iberia pulls EQ and Citi pulls either TU, EQ, or both.

 

Any suggestions?

EQ-805, EX-797, TU-804. Back in the Garden on 8/4/15. Just came out for a 5K CLI bump on the Barclay card...
Hover over a card for the CL...
Message 1 of 7
6 REPLIES 6
Vegas247
Established Contributor

Re: Timing for 1 new App and 2 CLIs

Go for CLI's first...then Barclay...with those scores, you could do it anytime.

$600 Barclaycard® Rewards MasterCard® - Average Credit $6500 Blue Cash Everyday® Card from American Express $30k credit card16k Chase Freedom® - $200 Bonus12k VSiggy
Message 2 of 7
-Wade-
Valued Contributor

Re: Timing for 1 new App and 2 CLIs


@PaBill wrote:

I'm going for a Barclays Arrival card in about 2 weeks.  I would also like to go for CLIs on my Citi (Home Depot) and Iberia cards.  TU/EQ/EX are all high 700's and probably at least 2 will be low 800's by then.  UTIL on 2 exiting cards is only 3%.  Main one is Barclays, so I'm going for that first.  Any suggestions on timing of CLIs?  (Same time?  Wait a bit?)  No CLI requests for a few years.  No Apps in 3 years.  No Inqs in a year (mortgage).

 

Also, based on what I can tell from the Credit Boards (which are outdated), Barclays pulls TU, Iberia pulls EQ and Citi pulls either TU, EQ, or both.

 

Any suggestions?


With your scores i would go for a CLI anytime . No reason you can't get a CLI if your income supports it. Good luck

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 3 of 7
CreditMagic7
Mega Contributor

Re: Timing for 1 new App and 2 CLIs

FWIW Citi pulled Experian HP for my first CLI. Can't say for certain which CRA they will pull but apparently it's a toss up. Citi however has SP Equifax on me.
Message 4 of 7
PaBill
Regular Contributor

Re: Timing for 1 new App and 2 CLIs

My only concern was any pulls on the CLI requests affecting the Barclays App, which was why I mentioned what CBs they all appear to be pulling..  Thanks for the input

EQ-805, EX-797, TU-804. Back in the Garden on 8/4/15. Just came out for a 5K CLI bump on the Barclay card...
Hover over a card for the CL...
Message 5 of 7
PaBill
Regular Contributor

Re: Timing for 1 new App and 2 CLIs


@CreditMagic7 wrote:
FWIW Citi pulled Experian HP for my first CLI. Can't say for certain which CRA they will pull but apparently it's a toss up. Citi however has SP Equifax on me.

Ok.  Thanks.

EQ-805, EX-797, TU-804. Back in the Garden on 8/4/15. Just came out for a 5K CLI bump on the Barclay card...
Hover over a card for the CL...
Message 6 of 7
FastForward
Frequent Contributor

Re: Timing for 1 new App and 2 CLIs


@PaBill wrote:

I'm going for a Barclays Arrival card in about 2 weeks.  I would also like to go for CLIs on my Citi (Home Depot) and Iberia cards.  TU/EQ/EX are all high 700's and probably at least 2 will be low 800's by then.  UTIL on 2 exiting cards is only 3%.  Main one is Barclays, so I'm going for that first.  Any suggestions on timing of CLIs?  (Same time?  Wait a bit?)  No CLI requests for a few years.  No Apps in 3 years.  No Inqs in a year (mortgage).

 

Also, based on what I can tell from the Credit Boards (which are outdated), Barclays pulls TU, Iberia pulls EQ and Citi pulls either TU, EQ, or both.

 

Any suggestions?


Citi pulled EQ for my last CLI (in November) & pulled EX for my DH's last app with them.  Haven't seen them pull TU, for us anyway.

AmEx PRG (NPSL) | AmEx BCP (10k) | AmEx Blue Cash (1k) | AmEx SPG (3.5k) | Barclay Arrival WMC (7.5k) | Barclay Sallie Mae (1.5k) | Cap1 QS (2k) | Chase Freedom (1k) | Discover IT (4.5k) | InTouch (Local) CU MC (5k) | InTouch (Local) CU LOC (25k)

Citi/Best Buy (AU) (1.5k) | Citi/Best Buy (7.5k) | Comenity/Crate & Barrel (4k) | Comenity/Restoration Hardware (9k) | GE/Ethan Allen (2.5k) | Synchrony Bank/Banana Republic (3.3k) | Synchrony Bank/Gap (3.3k) | Synchrony Bank/Walmart (3.3k)

myFICO scores ~ 691 (EQ) 670 (EX) 712 (TU) || Goal scores: 750+ (all 3)
Message 7 of 7
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