Request Initial CLI With BOA, Cap One, Amex, Discover

[SOGGIE]

I just finished helping a friend repair their credit. In light of how the pandemic impacted CreditWorld, I am not current with CLI processes. My question is, after opening credit card accounts (specifically with BOA, Cap One, Amex, and Discover), when is one eligible to request a SP CLI, and how often are they eligible to request thereafter? Thanks in advance for all responses. 

[AverageJoesCredit]

Boa usually after 3 months or when blue link shows up though havent read many cli as of late

Cap One, is sp , not sure how long to wait but wouldnt hold breathe. A few autos lately but pulling cli from Cap One seems like pulling teeth. A $100 increase is like winning the Navy $25k instant approval

Amex should be sp, recommended after 61 days but you can hit as early as 2 days lol as evidenced by recent approval, if denied gotta wait 3 months to try again, 6 months + if approved

Discover is sp, usually after 3 months of account opening is recommended  but after than whenever you feel like trying. Cli isnt gaurenteed  at any interval but if denied usually just a denial letter and literally can try next day if want

[SOGGIE]

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@AverageJoesCredit wrote:

Boa usually after 3 months or when blue link shows up though havent read many cli as of late

Cap One, is sp , not sure how long to wait but wouldnt hold breathe. A few autos lately but pulling cli from Cap One seems like pulling teeth. A $100 increase is like winning the Navy $25k instant approval

Amex should be sp, recommended after 61 days but you can hit as early as 2 days lol as evidenced by recent approval, if denied gotta wait 3 months to try again, 6 months + if approved

Discover is sp, usually after 3 months of account opening is recommended  but after than whenever you feel like trying. Cli isnt gaurenteed  at any interval but if denied usually just a denial letter and literally can try next day if want

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Thanks AJC! That was very helpful. Nice to see that you are still on Forum.

[SOGGIE]

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@AverageJoesCredit wrote:

Cap One, is sp , not sure how long to wait but wouldnt hold breathe. A few autos lately but pulling cli from Cap One seems like pulling teeth.

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Things have definitely changed with Cap One. Perhaps my friend should consider a different option for Cap One. NFCU is a no-go since they are not eligible.

[coldfusion]

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@SOGGIE wrote:

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@AverageJoesCredit wrote:

Boa usually after 3 months or when blue link shows up though havent read many cli as of late

Cap One, is sp , not sure how long to wait but wouldnt hold breathe. A few autos lately but pulling cli from Cap One seems like pulling teeth. A $100 increase is like winning the Navy $25k instant approval

Amex should be sp, recommended after 61 days but you can hit as early as 2 days lol as evidenced by recent approval, if denied gotta wait 3 months to try again, 6 months + if approved

Discover is sp, usually after 3 months of account opening is recommended  but after than whenever you feel like trying. Cli isnt gaurenteed  at any interval but if denied usually just a denial letter and literally can try next day if want

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Thanks AJC! That was very helpful. Nice to see that you are still on Forum.

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Best odds with BoA are when the blue 'request a credit limit increase' hyperlink appears as that's when the autobot has determined you're eligible to request a CLI.     The 3 month figure is hugely YMMV, it can appear anywhere from a few weeks to more than a year after an attempt (rarely, it will remain after the nightly site refresh).

[TheFIGuy]

Hey @AverageJoesCredit,

On 09/03/20, I requested a CLI on AMEX and got a 7-10/day message (Denial, of course). I applied for another AMEX card the same day and was approved. I know AMEX has the CLI timeline across all accounts regardless of which account received it, but what would be the CLI's correct date?

Should I have CLI on 11/03/20 per the 61/day? 

Should I request CLI on 12/03/20 per the 3/month?

Edit:

Applied for a CLI on the second card and got the 7-10/day message, POOP! - Could I have asked too early?

[Meanmchine]

Good luck with getting those CLIs

[SOGGIE]

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@coldfusion wrote:

Best odds with BoA are when the blue 'request a credit limit increase' hyperlink appears as that's when the autobot has determined you're eligible to request a CLI.     The 3 month figure is hugely YMMV, it can appear anywhere from a few weeks to more than a year after an attempt (rarely, it will remain after the nightly site refresh).

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Thanks (Artist formerly known as ColdFusion). Wow! Good to see you are still on MF too.

[SOGGIE]

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@Meanmchine wrote:

Good luck with getting those CLIs

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Thanks! Hopefully all works out. Helping them with their repair took some time, but their rebuild phase shouldn't be that tedious.

[AverageJoesCredit]

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@TheFIGuy wrote:

Hey @AverageJoesCredit,

On 09/03/20, I requested a CLI on AMEX and got a 7-10/day message (Denial, of course). I applied for another AMEX card the same day and was approved. I know AMEX has the CLI timeline across all accounts regardless of which account received it, but what would be the CLI's correct date?

Should I have CLI on 11/03/20 per the 61/day? 

Should I request CLI on 12/03/20 per the 3/month?

Edit:

Applied for a CLI on the second card and got the 7-10/day message, POOP! - Could I have asked too early?

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