BMO Harris CLI Upon Activation?

credit_endurance · ‎09-16-2019

Just approved for the Cashback Rewards MC $200 cb first $2k spent in 90 days, and was given a small SL at least from a very generous lender as some dp’s have proven. So wanted to know is it possible to get a cli upon activation of the card? Or do you have to wait 6months or even the year mark to request? Is it sp or hp?

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

FinStar · ‎09-16-2019

Unfortunately, no CLI recon upon activation. For any CLI consideration, 6 months is earliest for review, but 12+ months is more optimal. HP for CLI requests unless the account receives an auto-CLI.

NRB525 · ‎09-17-2019

Congrats on the new card. What is your initial credit limit?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

credit_endurance · ‎09-17-2019

@FinStar wrote:
Unfortunately, no CLI recon upon activation. For any CLI consideration, 6 months is earliest for review, but 12+ months is more optimal. HP for CLI requests unless the account receives an auto-CLI.

Okay, Thanks Finstar for the valuable info! I figured this much as not many dp's going around on sucessful cli attempts nor auto's.

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

credit_endurance · ‎09-17-2019

@NRB525 wrote:
Congrats on the new card. What is your initial credit limit?

Thanks NRB525! My intial SL is $4,000. I was kinda bummed about tis as there have been a few other higher SL with similar profiles to mines to be had.

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Anonymous · ‎12-03-2019

Was just approved for this card the other day. Starting line was also $4,000.