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Cli timetable masterthread

micvite
Regular Contributor

Cli timetable masterthread

This is a Timetable masterthread for all credit card CLI's, I'm looking to gather info about each CC company and each cobranded cc if they have different timelines for CLI's and include it in one place to make it easier to apply for ClI's at the right time. I'll start with the few that I know and please reply with any others so that I can add to the OP.

 

Amex: Every 181 days  (have to wait 90 days after decline, 1 CLI triggers wait for all accounts)

Apple by Goldman Sachs: Every 3 months (auto CLI does not count)

Bank of America: Every 91 Days

Capital One: Every 6 months

Capital One Kohl's: Every 3 Months

Citi: Every 6 months

Commenity: Every 3 months

Discover: Every Month

FNBO: Every 4 Months

Macy's: Every Month (30 + 1 days)

NFCU: Every 6 Months

US Bank: 1st of the month, following the 6-month anniv. date of last approval (so technically the first day of the 7th month)

Ex: 742, TU: 726, EQ: 733 03/31/2021
Discover it cashback: $5400
Citi DC: $4000
WF Propel: $2000
Amex BCED: $1000
Amex Gold: $2000
Cap1 QS: $1200
VS CC: $1350
Kohls: $700
Synchrony car care: $1500
Message 1 of 7
6 REPLIES 6
BearsCubsOtters
Frequent Contributor

Re: Cli timetable masterthread

There are/were a few. Mostly for Amex, Navy Federal Credit Union and PenFed.

 

They reside(ed) in the Credit Card Applications section of the forums. For instance:

 

https://ficoforums.myfico.com/t5/Credit-Card-Applications/The-Definitive-Amex-3X-CLI-Guide/td-p/1811...

 

See 5428 though. These threads get out of control and information can become outdated and hard to find. In thread 5428, a Moderator indicated that the thread would be locked (which it subsequently was) and that if anybody were interested in maintaining a master thread to reach out to them. 

 

I would imagine a spreadsheet "sticky" could be made and maintained by someone but it would be a labor of love. 

Message 2 of 7
micvite
Regular Contributor

CLI Wait time Masterthread

This is a Timetable masterthread for all credit card CLI's, I'm looking to gather info about each CC company and each cobranded cc if they have different timelines for CLI's and include it in one place to make it easier to apply for ClI's at the right time. I'll start with the few that I know and please reply with any others so that I can add to the OP.

 

Amex: Every 6 months (have to wait 90 days after decline, 1 CLI triggers wait for all accounts)

Apple by Goldman Sachs: Every 3 months (auto CLI does not count)

Capital One: Every 6 months

Capital One Kohl's: Every 3 Months

Citi: Every 6 months

Commenity: Every 3 months

Discover: Every Month

 

 

 

Ex: 742, TU: 726, EQ: 733 03/31/2021
Discover it cashback: $5400
Citi DC: $4000
WF Propel: $2000
Amex BCED: $1000
Amex Gold: $2000
Cap1 QS: $1200
VS CC: $1350
Kohls: $700
Synchrony car care: $1500
Message 3 of 7
MrBEW
Contributor

Re: CLI Wait time Masterthread

Macy's - Every Month (30 + 1 days)

NFCU - 6 Months

 

Starting 03/21: FICO 8: EQ 643 * TU 643 * EX 634..........FICO 9: EQ 619 * TU 614 * EX 646
Current Scores: FICO 8: EQ 657 * TU 652 * EX 657.........FICO 9: EQ 630 * TU 640 * EX 652
Current Goal: 800


Take the myFICO Fitness Challenge
Message 4 of 7
Sub16610
Contributor

Re: CLI Wait time Masterthread

Thank you @micvite for starting this thread.  For a newbie like me this is very useful.

Message 5 of 7
Taurus22
Valued Contributor

Re: CLI Wait time Masterthread

@micvite 

 

AMEX is technically (181 days) rather than a flat 6 months

FNBO = every 4 months

BoA = 91 days

US Bank = 1st of the month, following the 6-month anniv. date of last approval (so technically the first day of the 7th month)

 

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Message 6 of 7
HeavenOhio
Community Leader
Senior Contributor

Re: Cli timetable masterthread


@micvite wrote:

Capital One: Every 6 months

It's six months after a CLI approval. There is no wait to request again if one declines a CLI offer or is denied.

Message 7 of 7
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