CLI....is there a method I should follow??

[Anonymous]

Hi all!

I absolutely love this forum....I'm literally addicted to reading the posts and like most people I've learned a great deal.  I've come back from the bankruptcy grave and in the process of rebuilding from that nightmare.  But, I'm a bit confused on how to ask for CLI....do I wait until a certain number of statements, should I pay off my balance first, or wait a required amount of time before I ask?  I've read most posts and yet still I can't figure it out.  Any information would be greatly appreciated

[gdale6]

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@Anonymous wrote:

Hi all!

I absolutely love this forum....I'm literally addicted to reading the posts and like most people I've learned a great deal.  I've come back from the bankruptcy grave and in the process of rebuilding from that nightmare.  But, I'm a bit confused on how to ask for CLI....do I wait until a certain number of statements, should I pay off my balance first, or wait a required amount of time before I ask?  I've read most posts and yet still I can't figure it out.  Any information would be greatly appreciated

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Prior to asking for CLI would be best to PIF the account first... Please post what cards you want to get a CLI on if you want us to give you help on them as all are different. Welcome to the board

[Anonymous]

Each bank is a little different on how often you can request (and actually expect success).  Your best chance for a cli with any bank is to show you use your credit responsibly. 

Banks like to give more credit to those who don't "need" it.  When your balances are low or 0 your chances are always better than if the card is maxxed out.

[pizzadude]

Moved to CCs