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How frequently can get CLI from:

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IodineNightSky
Regular Contributor

How frequently can get CLI from:

assuming you request a CLI and are successful, how long do you have to wait to be successful again with a new CLI request for the following?


Discover

Amex

Capital One

Synch (MasterCard, not store)

Navy Federal

Citibank (MasterCard, not store)

Current FICO 8s:
EQ: 712 - TU: 719 - EX: 707
Mortgage Ficos: EQ5: 708 - TU4: 729 - EX2: 700
Current Middle Mortgage Score: 708
Goal Scores: 740+


Message 1 of 6
5 REPLIES 5
Taurus22
Valued Contributor

Re: How frequently can get CLI from:

Typically, with most cards I think 6 months seems to be the general rule of thumb. However, there are some exceptions out there I'm sure.  FNBO, for example, allows CLI every 4 months.  While AMEX is 181 days...

My Wallet
Sock Drawered

On Deck: No Plans Currently
Message 2 of 6
dragontears
Senior Contributor

Re: How frequently can get CLI from:


@IodineNightSky wrote:

assuming you request a CLI and are successful, how long do you have to wait to be successful again with a new CLI request for the following?


Discover

Amex

Capital One

Synch (MasterCard, not store)

Navy Federal

Citibank (MasterCard, not store)


 

Discover - variable with no repeatable pattern 

Amex - 6 months and is by cardholder not card (i.e. only one CLI per person every 6 months even if you have a dozen Amex cards)

Capital One - 6 months 

Synch (MasterCard, not store) - variable

Navy Federal - 3 months is most frequently referenced 

Citibank (MasterCard, not store) - 6 months is most frequently referenced 

 

Message 3 of 6
coldfusion
Community Leader
Mega Contributor

Re: How frequently can get CLI from:

With NFCU once you get past the 91 day/3 full statements exercise it's every 6 months per card.

(5/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 4 of 6
Anonymous
Not applicable

Re: How frequently can get CLI from:


@IodineNightSky wrote:

assuming you request a CLI and are successful, how long do you have to wait to be successful again with a new CLI request for the following?


Discover

Amex

Capital One

Synch (MasterCard, not store)

Navy Federal

Citibank (MasterCard, not store)


I think Discover card is a year after you get the card.  

Message 5 of 6
Michizane
Regular Contributor

Re: How frequently can get CLI from:

Discover IT is technically whenever. I tried a couple times this year, and got 2 CLI's approved when requesting after a statement period when I spent $300+ and paid it down to 0. The other rejection reasons I got were because I didn't spend enough (this year at least). 

Message 6 of 6
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