Best of luck on the 8th! Happy to hear that BK stain will be falling off your report, that will be a great feeling!
Having the BK finally off my CR helped, as I requested my CLI today after the required 90-day wait, and BOOM, it was bumped up to $3k. I thought I should have asked for more, but I'll take this!
@mgood wrote:
@AirPodMax wrote:
@mgood wrote:When I was able to request a CLI, I asked for 9k, a 9x increase.
It was denied, with no counter-offer, AND I was unable to make another request for 91 days!
This freaks me out!! I will definitely just shoot for the 3X. Thanks for sharing your experience.
But still grew from 1k to 27k in about a year even with that goof.
4/12/24 SL $1k
10/20/24 x3 $3k (see, there was about 6 months there because I messed up on the first request)
01/19/25 x3 $9k (91 days)
04/20/25 x3 $27k (91 days)
And it's possible that they wouldn't have given me a CLI with the first request anyway. It may not have been just because I asked for too much. I had been turned down for a BCE once or twice because of too many cards opened too recently. When I was approved for the BCP, the low limit was because I had even more new credit than I'd had when I was denied the BCE. So they just barely let me slide in. Maybe even if I'd asked for 3x the first time, they would have said "Naw, let's let this guy stay where he is for a few more months." I don't know. I do know that most people here said you could ask for up to 3x and I asked for 9x and was denied.
I'm spending hours a day here out of sheer boredom of my life and I didn't know you could get approved for another CLI if you got approved for one in the previous 6 months.
is this a rarity? 😐
@cabledude27 wrote:I'm in a similar spot with this card and the CL. I was approved for BCP, and it was one of my first credit cards after my Chapter 13 discharge. They started me out with a $1,000 limit. I got the Platinum 2 months later, after the income review. However, I've been unable to get them to increase it since their denial response was always due to a bankruptcy on my credit reports. Still, they approved me for this BCP, Platinum, and most recently the Delta Reserve for $ 4,400 with the same BK showing, so it didn't make any sense. My utilization rate is typically 10-11% on three other cards; however, I spend about $ 3,000-$3,500 a month across all of them and pay off my American Express cards each month, rarely carrying a balance with them, and have a higher income.
My BK is finally off my CR's now, and I'm due to request a CLI on May 8th, so I'm anxious to see what happens this time when I ask.
Now I'm excited for you.
good Info!! I'm about to approach my 91 Day mark on Delta reserve and gold. Any info on FR being triggered if asking for over 3x ?
@Gregory1776 wrote:
@mgood wrote:
@AirPodMax wrote:
@mgood wrote:When I was able to request a CLI, I asked for 9k, a 9x increase.
It was denied, with no counter-offer, AND I was unable to make another request for 91 days!
This freaks me out!! I will definitely just shoot for the 3X. Thanks for sharing your experience.
But still grew from 1k to 27k in about a year even with that goof.
4/12/24 SL $1k
10/20/24 x3 $3k (see, there was about 6 months there because I messed up on the first request)
01/19/25 x3 $9k (91 days)
04/20/25 x3 $27k (91 days)
And it's possible that they wouldn't have given me a CLI with the first request anyway. It may not have been just because I asked for too much. I had been turned down for a BCE once or twice because of too many cards opened too recently. When I was approved for the BCP, the low limit was because I had even more new credit than I'd had when I was denied the BCE. So they just barely let me slide in. Maybe even if I'd asked for 3x the first time, they would have said "Naw, let's let this guy stay where he is for a few more months." I don't know. I do know that most people here said you could ask for up to 3x and I asked for 9x and was denied.
I'm spending hours a day here out of sheer boredom of my life and I didn't know you could get approved for another CLI if you got approved for one in the previous 6 months.
is this a rarity? 😐
I think 91 days is fairly standard.
When you try to make a CLI request online, if it's too soon, they won't even process it and it'll tell you. You can check every day if you want, it won't hurt anything.
Some people get them in less time than that. Some people have had to wait 181 days. But 91 days seems to be the norm.
@Thestickybandit wrote:
good Info!! I'm about to approach my 91 Day mark on Delta reserve and gold. Any info on FR being triggered if asking for over 3x ?
I haven't heard of it triggering a FR.
I think if you ask for more than they'll give, they usually counter-offer a lower amount. In my case they just flat-out denied me the first time.
@JSUB wrote:That's the answer I'm looking for too. I got the BCP this past March 8th for a disappointing CL of 2K. I've put over a thousand in spend each month including this upcoming 3rd statement. I want to know what the chances of me requesting 7 or 8 thousand for my CLI in June.
You probably have an excellent chance of getting 6k and almost zero chance of getting more than that from what I've seen.
(And depending on your profile, you probably have a pretty good chance of turning that into 18k another 91 days after that.)
EQ8 783, TU8 751, EX8 765 as of June 2