Credit Card Center Advertiser Disclosure

Regular Contributor
Posts: 152
Registered: ‎04-05-2017
0 Kudos

When to request CLI for various cards

For my Chase FU, BoA CashRewards, Discover, Cap1 QS1, and NFCU rewards cards (see siggy), I'm wondering what the normal expected timeframe since opening to request CLI and whether there are specific times (like AMEX BCE 3X) to escape a HP? Any insight would be appreciated.

Last App 5/18/17

Pulling weeds until March 2018
Valued Contributor
Posts: 2,667
Registered: ‎03-03-2008

Re: When to request CLI for various cards

Everything is pretty much every 6 months.  You might see a free CLI on Chase wihin the first 3-6 months, Everyone else is a SP/HP usually every 6 months.  As with AMEX it's a SP every 6 months beyond the first one at 61 days.

Valued Contributor
Posts: 1,073
Registered: ‎02-23-2017

Re: When to request CLI for various cards

Capital One and AMEX will never hard pull. Chase will always hard pull if it's customer-initiated. Discover is normally a soft pull; they'll tell you if they want to hard pull.


austinguy907 has covered AMEX except that you have to wait 91 days after a denial. With Capital One, you can request as often as you like, although you need to wait six months after accepting a limit increase. Discover seems to be a total crapshoot. Request as often as you want and see what happens. Previously, people were getting increases every 30, 60, or 90 days, but that seems to have slowed down somewhat.

Valued Contributor
Posts: 2,667
Registered: ‎03-03-2008

Re: When to request CLI for various cards


Since 3/29 Disco has been a little odd.  If you're under 20K CL then the door is open for asking and getting something.  However there are some that were reliably getting a CLI under 20K CL and now aren't and are stuck on the 3-5 day message routine.


Disco is always a SP unless you click submit and they ask your permission to HP explicitly.  If you call them and want to bypass the slow CLI SP method there's the option to HP and go up.  If it's not a HP issue to move up they'll talk you out of the HP option and suggest waiting it out.


I wish they would all get on the same playing field when it comes to CLI's though to make it easy.  The little nuances seem to trip us all up from time to time if we're not thinking about the process for a particular lender or double checking what the current situations are on here.  Like the 91 day cool off period on an AMEX denial for a CLI throws a wrench into things.  Asking Cap1 and backing out of it when they offer you $200 with hopes of trying again next month for something bigger.  


I opted to simplify things and genralize it as a 6 month interval.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.