Credit Milestone Met

[Makingstrides]

Happy New Year, everyone!

After reading through a few post I finally got the courage to ask for a CLI from AMEX. Six months ago they denied me because I wasn't using enough of my line of credit. Credit limit was 9K with 250.00 balance. Tried again this month and was given a CLI of 6K!!!!! My credit limit is now 15K. I'm soooo excited! 

Still working on CapitalOne, unfortunately . I was denied by them in October. Anyone know how long you have to wait before you can ask again after a denial?

[Anonymous]

Congrats on the Amex CLI.  Im pretty sure Cap1 & Discover CLI every month till you get one.  Then cap1 is 6 months after to become eligible again, disco is every month still.

(could be wrong lol)

[Medic981]

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@Makingstrides wrote:

Happy New Year, everyone!

After reading through a few post I finally got the courage to ask for a CLI from AMEX. Six months ago they denied me because I wasn't using enough of my line of credit. Credit limit was 9K with 250.00 balance. Tried again this month and was given a CLI of 6K!!!!! My credit limit is now 15K. I'm soooo excited! 

Still working on CapitalOne, unfortunately . I was denied by them in October. Anyone know how long you have to wait before you can ask again after a denial?

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I believe it is 60 days after a denial and 180 days after a CLI.

[Cred4All]

Congrats on the limit increase!

[Medic981]

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@Anonymous wrote:

Congrats on the Amex CLI.  Im pretty sure Cap1 & Discover CLI every month till you get one.  Then cap1 is 6 months after to become eligible again, disco is every month still.

(could be wrong lol)

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You can request a CLI every day if you want. IIRC, Cap1 will not consider a CLI until 60 days after denial. 

[Anonymous]

No harm no foul or does every day request hypothetically reset it to another 60days post denial? lol

[19eighty5]

Congratulations to the CLI!