Is there a thread that shows best strategy and whe... - myFICO® Forums

heather06 · ‎01-05-2018

I am wondering how often you can ask for cli's on accounts and cards. I was given cli's on my Amazon and toys r us store accounts in November after calling credit solutions. How often can I request another cli?

I also was approved for a Walmart MC in November and a Discover it in December. How long should I wait before requesting increases on both those new cards?

Is there a thread that lists the info for different cards and the timeline to do cli's?

Thanks!

dsotm76 · ‎01-05-2018

Correct me if I'm wrong, but I've seen a lot of posts say usually the general time ranges between 60-90 days after opening the account.

BCE AMEX ($16200) - Citi DC ($11600) - Chase Sapphire Preferred ($10200) - Nordstrom Visa Signature ($10000) - Best Buy Citi Visa ($9950) - Chase Freedom Flex ($7700) - NHL Discover IT ($7000) - Apple Card ($6000) - Delta Gold AMEX ($6000) - Hilton Honors AMEX ($5000) - Barclay View ($5000)

Closed - Capital One Secured ($500) - It is not in my wallet. :-) - Sony/Sync ($2400)

Goal - To get in with Chase.

(ACHIEVED!)

Anonymous · ‎01-05-2018

I'm actually building a spreadsheet that details this and creates date reminders based on each lender as well as the date of the last CLI request and results. It's crazy complicated though.

Capital One is once every 6 months after an approved CLI. Per card.

Amex is 61 days for your first card with them, then it's every 6 month per customer not per card.

Discover is whenever you want.

Synchrony is based on TU score increases from what I've gathered.

Chase is always a HP and generally a high risk of denial.

US Bank appears to be 6 months but higher likelihood of SP if you only ask for $1000 or maybe $1500.

No clue on Citi or Boa yet but I'm digging data points to finish my spreadsheet tool!

MrDisco99 · ‎01-06-2018

My Citi CLIs:

Got one on my DC the day it came in the mail. Was a HP. Probably not worth it, considering I saw the page with the SP language on it a few weeks later. I tried again and it said I had to wait 6 months. 6 months later I got another one, SP.

Same day I got the DC CLI I tried for the TYP and got it on that card as well with a SP. That card was about 4 months old at the time.

The page tells you if they will pull your credit or not. Best to wait for the SP.

As for BoA, I understand a requested CLI is always a HP, but if they give you one it's a SP.