topic Any harm to CLI requests? in Credit Cards

Any harm to CLI requests?

Anonymous — Mon, 29 Feb 2016 14:57:09 GMT

Is there any harm to asking for CLI several times? I know its a SP. Is it even necessary to do it any more than once during a billing cycle? I've had them for a year and no CLI

Re: Any harm to CLI requests?

gibeon — Mon, 29 Feb 2016 15:24:58 GMT

Which Bank/Credit Card are you asking about?

If it's Capital One, they don't seem to care. I'm not sure about the others.

Re: Any harm to CLI requests?

pizza1 — Mon, 29 Feb 2016 15:46:30 GMT

um..card/bank?

Would help to know who it is, so we can give you a pointer tip.

Re: Any harm to CLI requests?

Anonymous — Mon, 29 Feb 2016 15:50:19 GMT

realistically asking more than once a statement is quite pointless. yes some people get declined the CLI only to get one a day or two later but they would have gotten it next statement too. no point in pressing it daily. that's quite obsessive

Re: Any harm to CLI requests?

Anonymous — Mon, 29 Feb 2016 15:56:52 GMT

Discover and AMEX

Re: Any harm to CLI requests?

Anonymous — Mon, 29 Feb 2016 16:02:21 GMT

discover will just mail you a denial and amex won't budge if you've been denied for at least 91 days.

Re: Any harm to CLI requests?

Anonymous — Mon, 29 Feb 2016 18:29:50 GMT

I imagine if they have to send a denial letter every time they might take notice. If you're denied their is a reason given, until that reason is corrected I can't see the point in continuing to ask. If you ask me that sort of behavior reeks of desperation...something creditors don't like.

Re: Any harm to CLI requests?

kdm31091 — Mon, 29 Feb 2016 18:42:57 GMT

@Anonymous wrote:
I imagine if they have to send a denial letter every time they might take notice. If you're denied their is a reason given, until that reason is corrected I can't see the point in continuing to ask. If you ask me that sort of behavior reeks of desperation...something creditors don't like.

This exactly. No reason to hit the button daily or weekly. You're just poking the bear and appearing desperate.

IMO once a billing cycle is enough, or whenever you've corrected whatever the problem is on the denial letter, which could take several months depending on what the reason is.

Re: Any harm to CLI requests?

Anonymous — Mon, 29 Feb 2016 19:53:59 GMT

You have to wait 180 days for a CLI (or 90 days after you've been denied) for Amex. Discover is 90 days but YMMV.