Advice for Multiple card CLI requests

[DONZI]

I've been gardening for a while but did snag a CLI on paypal credit in preparation for the impending credit card (June 2025)

Figured it might be useful to try and bump up a few card limits now that a hamburger can fetch $15

Is there any best practice for this?

EG: request CLI on 3-4 cards all at the same time Vs spacing requests out over some period of time.

..thinking to do the amex BCE since I never have done a CLI request for it and may as well give the 3x bump a shot.

The NFCU MR last CLI was 2021 shortly after I acquired it and my BofA Visa never tried yet.

I've been gardening in part to get clear for trying for a CSR or something at at Chase finally.

Any DP on if it'd be better to pick CLI or Chase and not both?

EXP, EQU and TU are all frozen currently. IIRC the only reason to unfreeze would be for a Chase app..

Thanks!

[Patient957]

Amex and Navy CLI requests are soft pull only.  Maybe B of A is soft pull now too, not sure.  But I wouldn't hesitate to do soft pull CLI requests ahead of your CSR app.  Can only help if your higher limits report ahead of your CSR app.  No downside.

In my view, SP CLI requests don't take you out of the garden.  No HP, no new account = still in garden.  The purists may disagree, not sure.

As to whether you do the CLI requests all at the same time or space them out, it really doesn't matter, because you have three different issuers, so none will know about the other requests, unless B of A wants a HP, which I would think twice about.

[DONZI]

Thank you!  Getting my sea legs back now.. Makes perfect sense that the CLI ahead of chase could help with a better limit from chase.

I have laid a little groundwork with JPM/Chase a few years ago with a self directed brokerage account. Perhaps meaningless in regard to a CC appplication but was curious about the broker side of things anyhow and snagged some bonus. Maintain a handful of stocks there plus a couple months worth of emergency cash.