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.

[DebbsSeattle]

I hit my creditors up every 6 months or so for a big kiss. I have never seen any negative repercussions from cli requests. If a card said they need to do a hard credit pull, I just say no (like Wells Fargo - but even they have now included a KISS button. Doing this to up your credit limits for the sake of your next application...not unreasonable, BUT you will need to wait  up to 35 days (depending on your statement cutoff dates) for that to work...so all your CLI's report to the bureaus and even then, some may be delayed in reporting for any multitude of reasons. AND if you know anything about Murphy and HIS **bleep** law...it could be the bureau that your intended card pulls for new applicant evaluation that gets skipped.

[E36]

If the CLI is a soft pull, go for it. 

[SusanJA]

I'd probably go all at once, with the most important one first. Interested to hear how it goes!

[Thomas_Thumb]

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@DONZI wrote:

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

..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.

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!

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Go for the AMEX 3x CLI. You are over due. Then pursue soft pull CLIs on other cards. Forego any HP CLIs. Yes, higher limits on your current cards may help garner a higher SL on the Chase card.

[PippiLongstockingWannabe]

I have tried doing CLI on Amex but they denied it everytime. I tried in Jan and then again at the top of this month. Reason:  Your recent spending on the account is low in relation to your current credit limit.

I'm still stuck at 3k even though I've had the card for around 18 months. I was busy with other stuff and forgot to do the CLIs to get up fast to 10k. Now it seems I can't until I use the card. But I only use my 0% card. I try to stick with one card to keep from losing track of what needs to be paid.  

If I transfer a monthly bill to it and pay it off, will that be enough? How many months? Does it have to be an expensive bill? My highest *monthly* is $80.