Question about BCP cli upon activation with a high starting limit

[disdreamin]

I'd go for $25 or $30 if you believe your profile supports it. I went to $30k on a Delta AmEx with no issue. I hit a doc request when I first tried to go above $35k in total exposure, but I ignored it and waited, did another CLI request a year later and am at $40k now between two cards. The $25k thing isn't a real/hard limit, so go with what you think is reasonable.

[percy81]

I don't think I've got the courage to ask for $30k and I'd have no reasoning for needing that much aside from FICO swag, but that's okay.

20k+ is just one of those goals I've been dreaming about since I started the road to awesome credit and I'd be completely happy to retire my LUV button finger (sike) if and when I reached it. Who knows, we humans always want the next best thing.

[credit_endurance]

I've had my BCE just shy of 60 days and wanted to see if someone can clear this up for me.

So can a CLI  be requested 61 dys after actual approval for the card, or 61 days after activation ?

[percy81]

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@credit_endurance wrote:

I've had my BCE just shy of 60 days and wanted to see if someone can clear this up for me.

So can a CLI  be requested 61 dys after actual approval for the card, or 61 days after activation ?

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After doing extensive research of my own I've narrowed it down to the opening date. The moment your screen said "congratulations you've been approved" is when the ticker begins.

[credit_endurance]

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@percy81 wrote:

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@credit_endurance wrote:

I've had my BCE just shy of 60 days and wanted to see if someone can clear this up for me.

So can a CLI  be requested 61 dys after actual approval for the card, or 61 days after activation ?

---

After doing extensive research of my own I've narrowed it down to the opening date. The moment your screen said "congratulations you've been approved" is when the ticker begins.

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Awesome. Good to hear as I am just itching to hit that Luv button!  Thanks for the info

[Anonymous]

If you get turned down for less than 60 days you don't have to wait 90 days to try again. Technically you were not denied as they didn't make a credit decision. On the 61st day you can try. 

[percy81]

I will be hitting the Luv button in fifteen minutes and will update with the results. 

[percy81]

Well, Myfico peeps, I pushed the LUV button after a day of analyzing every aspect.

I requested my credit limit to be increased from 16,000 to 25,000. I hit submit request then my screen pulls this number "internet connection lost refresh page or check internet connection..." or something to that effect. I was like whaaaaaa? "why does this happen when my heart is already palpating." I refreshed the screen thinking "the internet just screwed everything up."

I refreshed the screen and saw (not verbatim) "Congratulations your request for a limit of 25,000 has been approved and will be updated in 15 minutes.

Clicked the home page and it was already sitting there. I finally did it. I got my 25k limit that I've worked so hard for all these years. I don't think I will be asking for anymore CLI on this card and will just let them auto increase me if they're feeling mighty generous.

What a wonderful feeling. I have myfico forum to thank for my credit journey these past four years or so.

[Gmood1]

Congrats on the very nice cli!!

[RonM21]

Nice bump to 25k