topic Re: How often can we get CLI’s? in Credit Cards

How often can we get CLI’s?

Salahh — Sat, 19 Oct 2024 23:25:55 GMT

My fico score jumped 41 pts today from lowering my utilization. I was thinking of requesting a CLI from Credit One, but I'm also expecting my score to rise next month. Would it be worth it to wait until next month to ask for a CLI? Or if I get it this month, could it also be negotiated next month? Just wondering how often one can get a CLI, assuming they're card is in good standing and their fico score is rising.

Thank you 🙏

Re: How often can we get CLI’s?

yam1rts — Sun, 20 Oct 2024 01:06:14 GMT

To answer your question, it varies by lender/bank. A few allow every 3 months but most allow every 6 months. Certain banks like chase only allow 1 CLI across all your cards during the same period. So you have to decide which one is worth it.

I've been actively requesting CLI's since September. I did my research before requesting and where I did, I was confident they weren't going to pull my credit. I had my credit frozen and all request were made via app and were just soft pulls.

Re: How often can we get CLI’s?

Salahh — Sun, 20 Oct 2024 03:38:07 GMT

Thank you. I'll hold out til next month 👍