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Credit Milestone Met

Makingstrides
Valued Member

Credit Milestone Met

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 Smiley Sad. I was denied by them in October. Anyone know how long you have to wait before you can ask again after a denial?

Gardening Since 03/2018

Message 1 of 7
6 REPLIES 6
FICOPath
Frequent Contributor

Re: Credit Milestone Met

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)











Message 2 of 7
Medic981
Valued Contributor

Re: Credit Milestone Met


@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 Smiley Sad. I was denied by them in October. Anyone know how long you have to wait before you can ask again after a denial?


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

















Your FICO credit scores are not just numbers, it’s a skill.

Message 3 of 7
Cred4All
Valued Contributor

Re: Credit Milestone Met

Congrats on the limit increase!


Message 4 of 7
Medic981
Valued Contributor

Re: Credit Milestone Met


@FICOPath 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)


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

















Your FICO credit scores are not just numbers, it’s a skill.

Message 5 of 7
FICOPath
Frequent Contributor

Re: Credit Milestone Met

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











Message 6 of 7
19eighty5
Senior Contributor

Re: Credit Milestone Met

Congratulations to the CLI!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 7 of 7
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