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Congratulations on the Gold! A solid BT card.
i actually just spent about an hour discussing cli's and multiple apps. FWIW, you can call them and they are super helpful. Very transparent, especially compared to other financial institutions.
They will most likely use the same pull for the two apps you did. Auto cli is not really a thing. Albeit, it may happen. They also do not have strict guidelines like Navy Fed (think about the 91/3 or 181/6). However, don't expect to get one every month. I'm at 4 months with my PCR and have contemplated the pull but honestly, my usage is pretty low. The usage will be small part in the cli evaluation. A separate cli request is almost always an HP. Unless the preapproval is shown on your profile. I would also mention, when you do a cli, they also look to determine if you are eligible for an interest rate reduction! They look at the credit score for the rate and the income for the limit.
Hopefully that helps! Congrats again!























Congrats on your approval!
Congrats on your Gold Visa approval 👍🏼
Congratulations on your PenFed approval!








Congrats on the Gold!!! Eagerly awaiting the DPs and the PCR approval update. Interesting thing is they can't try to counter you with a Gold offer because you already have it unless they offer you 2 ![]()
Congratulations on your PF approval!! 🎉🥂👏🏻
Grats on getting the gold card approval ![]()
@greatscott85 wrote:Congratulations on the Gold! A solid BT card.
i actually just spent about an hour discussing cli's and multiple apps. FWIW, you can call them and they are super helpful. Very transparent, especially compared to other financial institutions.
They will most likely use the same pull for the two apps you did. Auto cli is not really a thing. Albeit, it may happen. They also do not have strict guidelines like Navy Fed (think about the 91/3 or 181/6). However, don't expect to get one every month. I'm at 4 months with my PCR and have contemplated the pull but honestly, my usage is pretty low. The usage will be small part in the cli evaluation. A separate cli request is almost always an HP. Unless the preapproval is shown on your profile. I would also mention, when you do a cli, they also look to determine if you are eligible for an interest rate reduction! They look at the credit score for the rate and the income for the limit.
Hopefully that helps! Congrats again!
thanks for the DP. New member myself and was wondering about CLI on my PCR card. I think I'll wait 6-12 months before taking a HP.












Congrats on your approval! I just got approved for the PCR and back to back applied for the Gold, and my Gold app went under review, so in a similar boat, keep us posted on your result!