CLI's on RBFCU? When/How?

[gibeon]

I recently got an RBFCU premier rate card, but the SL was $1k.

I haven't been able to find much on how their CLIs work. Do they auto-CLI from time to time? Is there a minimum time to wait before requesting a CLI, or between requests? SP CLI requests?

It's now my lowest APR card and I would love to be able to BT some outatanding balances to it.

TIA for any info you can provide!

[jacetx]

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@gibeon wrote:
I recently got an RBFCU premier rate card, but the SL was $1k.

I haven't been able to find much on how their CLIs work. Do they auto-CLI from time to time? Is there a minimum time to wait before requesting a CLI, or between requests? SP CLI requests?

It's now my lowest APR card and I would love to be able to BT some outatanding balances to it.

TIA for any info you can provide!

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I've had my card since 2013 and never gotten an auto CLI and every CLI is a HP. Mine went from $1 -> $2k -> $4k -> $14k -> $15k. At the time of the increases I had applied for another loans and since they allow you to use the same pull for 30 days I went ahead and requested the CLI's.

[gibeon]

Thanks! Good to know!

Do you recall about how long you had the card before you asked for the first CLI?

[Anonymous]

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@gibeon wrote:
Thanks! Good to know!

Do you recall about how long you had the card before you asked for the first CLI?

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Congratulations on getting a card with all your new credit. They though I was an Egyptian. 

[jacetx]

About 6 months after I got it. How long ago did you get your card? They use the same pull for 30 days so you could ask for a CLI right away.

[gibeon]

Jace, It's been a few months since i got the card. Im not in a huge rush, I just wasn't sure what they were like.

Thanks for your help.

Music,

Yeah. I had a really rough time on and off from 2008 - 2011, so I didnt have any CCs for about 4 years there.

I'm a PenFed member and got the pyramid message from them a 15-20 cards ago, so they're not getting another HP from me for at least a year and maybe two (unless I get a preapproval offer). I've closed about 14 cards, but am going to wait a year or two before closing any more as my AAoA is down to 4 years on the Fico versions. I really need to work on that gardening thing.

[joedtx]

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@jace8602 wrote:

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@gibeon wrote:
I recently got an RBFCU premier rate card, but the SL was $1k.

I haven't been able to find much on how their CLIs work. Do they auto-CLI from time to time? Is there a minimum time to wait before requesting a CLI, or between requests? SP CLI requests?

It's now my lowest APR card and I would love to be able to BT some outatanding balances to it.

TIA for any info you can provide!

---

I've had my card since 2013 and never gotten an auto CLI and every CLI is a HP. Mine went from $1 -> $2k -> $4k -> $14k -> $15k. At the time of the increases I had applied for another loans and since they allow you to use the same pull for 30 days I went ahead and requested the CLI's.

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Congrats, they are known for great rates but you are an exception they are typically are tight with CL's. 

[datrucking210]

Congrats on your card!'

I'm also new to RBFCU, got my card in Nov so don't know how their CLI's work either. Good to know CLI are HP's. Won't be asking for one anytime soon.

[ScoreOrBeScored]

Joined RBFCU April 2015& they are my main financial institution.

TU 740

inquires 4

aaoa 2.0

new accounts - at least 6

1 baddie - auto loan late August 2009

Premier Rate - $15k SL @ 7.75% (back then) I asked for $15k and got $15k

PLOC - $10k @ 8.9% asked for $20k

Car refinance - 1.65%

ive never asked for a cli on anything. I'm waiting until I need a product before asking for increases.

i know my data points don't answer your question but that's my experiences with it and that's who I bank 

with. Love them

[Anonymous]

To clarify, they don't do auto CLIs.