Cli timetable masterthread

[micvite]

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.

Edit: these time-frames are if you've gotten an approval, unless stated, if you're denied you can try again immediately.

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 store cards: Every 3 months (YMMV, tested on BOSC, VS, Ulta store card)

Discover: Every Month *

FNBO: Every 4 Months

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

NFCU: Every 6 Months

Synchrony Car Care: Every 3 months (YMMV, others have reported 61 days for other sync cards)

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

*On same day of Discover cli Via online request call 18003474856 and tell them you were expecting a bit more, this can produce an additional CLI

[BearsCubsOtters]

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 These threads get out of control and information can become outdated and hard to find.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. 

[micvite]

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

[MrBEW]

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

NFCU - 6 Months

[Sub16610]

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

[Taurus22]

@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)

[HeavenOhio]

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@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.

[micvite]

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@HeavenOhio wrote:

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@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.

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Yup, made an edit to explain this is only the time you have to wait after approval. Thanks!

[FinStar]

Of notewrothy, not all Comenity accounts work on a 3-month schedule for CLIs. Some accounts can have 4-6 month intervals in between depending on the CC. For Comenity V/MC, typically the first CLI can be processed upon receiving the card or 6 months after approval.  So I would adjust your 3-month reference in the op accodingly.

[micvite]

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@FinStar wrote:

Of notewrothy, not all Comenity accounts work on a 3-month schedule for CLIs. Some accounts can have 4-6 month intervals in between depending on the CC. For Comenity V/MC, typically the first CLI can be processed upon receiving the card or 6 months after approval.  So I would adjust your 3-month reference in the op accodingly.

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Thank you for the info! I was going off the 3 accs I have which are bosc VS and ulta. Would it be safe to say their store branded cards are gonna be every 3 months then?