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BMO Harris CLI Upon Activation?

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Valued Contributor

BMO Harris CLI Upon Activation?

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? 

Message 1 of 6
5 REPLIES 5
Moderator

Re: BMO Harris CLI Upon Activation?

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.

Message 2 of 6
Super Contributor

Re: BMO Harris CLI Upon Activation?

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
Message 3 of 6
Valued Contributor

Re: BMO Harris CLI Upon Activation?


@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.

Message 4 of 6
Valued Contributor

Re: BMO Harris CLI Upon Activation?


@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.

Message 5 of 6
Regular Contributor

Re: BMO Harris CLI Upon Activation?

Was just approved for this card the other day. Starting line was also $4,000.
Starting Score: (5/01/2017) -- EXP: 495; TU: 445; EQ: 460
Current Score (011/01/2019): EXP: 692; TU: 704; EQ: 674

Target Red - $800
Discover It Cash Back - $2000
Discover It Cash Back - $4000
Capital One Quicksilver - $700
US Bank Cash+ Visa Signature - $2000
Nordstrom Credit Card - $2500
BMO Harris Cash Back MasterCard - $4000

Total Credit: $16,000
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