topic Re: When to expect first CLI from each card? in Credit Cards

When to expect first CLI from each card?-UPDATE

DI — Wed, 21 Oct 2009 11:04:42 GMT

PenFed- Opened Aug. '09

AMEX Blue- Opened Aug. '09

Discover More- Opened July '09

Citi Platinum Select - Opened July '09

Kroger 123- Opened- Sept. '09

Message Edited by DI on 10-21-2009 06:04 AM

Re: When to expect first CLI from each card?

Itsmeagain — Tue, 20 Oct 2009 15:55:44 GMT

@DI wrote:

Discover More- Opened July '09 After your 6th statement cuts you can request a CLI and expect to be approved.

Kroger 123- Opened- Sept. '09 Same as Discover.

Re: When to expect first CLI from each card?

DI — Tue, 20 Oct 2009 15:56:39 GMT

thanks!

Re: When to expect first CLI from each card?

Anonymous — Tue, 20 Oct 2009 15:57:43 GMT

@DI wrote:
PenFed- Opened Aug. '09 It won't be a CLI. It will be an offer. I took over a year for me to get an unsecured offer from them but was well woth the wait.

AMEX Blue- Opened Aug. '09

Discover More- Opened July '09 I waited almost a year before I exercised the phone CLI option. I don't know exactly when it appeared, however. Once again well worth waiting for.

Citi Platinum Select - Opened July '09 Luv button CLI at six months and nine months. Second 0% BT offer at ten months.

Kroger 123- Opened- Sept. '09

Message Edited by creditwherecreditisdue on 10-20-2009 11:57 AM

Re: When to expect first CLI from each card?

DI — Tue, 20 Oct 2009 15:58:54 GMT

@Anonymous wrote:
@DI wrote:
PenFed- Opened Aug. '09 It won't be a CLI. It will be an offer. I took over a year for me to get an unsecured offer from them but was well woth the wait.

AMEX Blue- Opened Aug. '09

Discover More- Opened July '09 I waited almost a year before I exercised the phone CLI option. I don't know exactly when it appeared, however. Once again well worth waiting for.

Citi Platinum Select - Opened July '09 Luv button CLI at six months and nine months. Second 0% BT offer at ten months.

Kroger 123- Opened- Sept. '09

Message Edited by creditwherecreditisdue on 10-20-2009 11:57 AM

So maybe, I shouldn't request or expect any CLI's until February

Re: When to expect first CLI from each card?

smallfry — Tue, 20 Oct 2009 21:42:12 GMT

Look for the luv button on your Citi card. As for the Penfed card if you want a CLI you are going to have to apply via the website or over the phone. Be prepared to be asked for further income info. I would wait at least 6 months maybe a year.

Re: When to expect first CLI from each card?

Anonymous — Wed, 21 Oct 2009 04:59:47 GMT

@smallfry wrote:
Look for the luv button on your Citi card. As for the Penfed card if you want a CLI you are going to have to apply via the website or over the phone. Be prepared to be asked for further income info. I would wait at least 6 months maybe a year.

With PenFed I would either hit 'em within the first 60 to 90 days of the original app to pick up whatever crumbs may have been left on the table or wait up to15 months from opening for a unsecured offer. In my case I did both with positive results each time.

Message Edited by creditwherecreditisdue on 10-21-2009 12:59 AM

Re: When to expect first CLI from each card?

amp0804 — Wed, 21 Oct 2009 03:53:13 GMT

Amex Blue - Periodic automatic reviews of your account, when they feel you deserve it they will do it without your knowledge.

Re: When to expect first CLI from each card?

wmarat — Wed, 21 Oct 2009 04:54:39 GMT

@DI wrote:
PenFed- Opened Aug. '09 - at least 12 months, then or hard free preapproval or customer's request with hard on EQ

AMEX Blue- Opened Aug. '09 - 60 days, than every 6 months,

Discover More- Opened July '09 - every 6 mos.

Citi Platinum Select - Opened July '09 - I still get hard free CLI on my Citi every 3 mos.

Kroger 123- Opened- Sept. '09 do not know.

Re: When to expect first CLI from each card?-UPDATE

DI — Wed, 21 Oct 2009 11:01:31 GMT

I logged into my Discover account this morning. Eeveryone was wrong!! Without asking my credit limis is now $3400...a $900 increase! I just opened the card in July. I am shocked and at awe!!

Re: When to expect first CLI from each card?-UPDATE

Anonymous — Wed, 21 Oct 2009 11:58:55 GMT

Well that's great! Discover seems to be in a very giving mood these days and it is nice you got to benefit from it.

Re: When to expect first CLI from each card?-UPDATE

Anonymous — Wed, 21 Oct 2009 12:00:54 GMT

BTW - We're not wrong - we're only reporting what has occurred to us. You can't be wrong about your own experience...

Re: When to expect first CLI from each card?-UPDATE

DI — Wed, 21 Oct 2009 12:50:41 GMT

@Anonymous wrote:
BTW - We're not wrong - we're only reporting what has occurred to us. You can't be wrong about your own experience...

I must be a prime customer. I'll be looking for another CLI in Jan. I wonder if Discover looked at my overall CL total of $24,100 and decided to make it an even $25,000 with the $900 CLI.

Re: When to expect first CLI from each card?-UPDATE

Anonymous — Wed, 21 Oct 2009 12:52:42 GMT

That has to be it.

Re: When to expect first CLI from each card?-UPDATE

Anonymous — Wed, 21 Oct 2009 13:10:23 GMT

DI wrote: Kroger 123- Opened- Sept. '09

DH called for CLI on activation and went from 6,000 to 10,000

Itsmeagain was softed at just under six months, called for CLI, and received 2,500 CLI - from 5500 to 8000.

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&message.id=187034&query.id=202291#M187034

Re: When to expect first CLI from each card?-UPDATE

DI — Wed, 21 Oct 2009 13:16:57 GMT

I think Discover is controlling my CLI's. I just checked the phone option to no avial.

Re: When to expect first CLI from each card?

DI — Tue, 10 Nov 2009 23:33:59 GMT

@wmarat wrote:
@DI wrote:
PenFed- Opened Aug. '09 - at least 12 months, then or hard free preapproval or customer's request with hard on EQ

AMEX Blue- Opened Aug. '09 - 60 days, than every 6 months,

Discover More- Opened July '09 - every 6 mos.

Citi Platinum Select - Opened July '09 - I still get hard free CLI on my Citi every 3 mos.

Kroger 123- Opened- Sept. '09 do not know.

You were right on! I got the first CLI with AMEX in 2 months. I had to initiate it myself.