What are the best "circumstances" to be in for CLI?

[Anonymous]

I am looking to ask for a CLI on a couple of accounts.
1. Is it better to have a low balance (so not to seem needy?), or does balance matter?
2. Is it better to have an increased score (from when you applied?)?

I know sometimes the CLI is hit or miss, I just want to optimize my try.

Thanks.

PS. the 2 accts are Juniper AA card, and Home Depot (both are paid down below 9%, but I only have a short history with both - 3 to 4 months, and score has dropped 24 pts because of utilization last month)

[Anonymous]

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HinH wrote:
I am looking to ask for a CLI on a couple of accounts.
1. Is it better to have a low balance (so not to seem needy?), or does balance matter?
2. Is it better to have an increased score (from when you applied?)?

I know sometimes the CLI is hit or miss, I just want to optimize my try.

Thanks.

PS. the 2 accts are Juniper AA card, and Home Depot (both are paid down below 9%, but I only have a short history with both - 3 to 4 months, and score has dropped 24 pts because of utilization last month)

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Yes, and yes!  Especially the low utilization one.

I doubt you will get it on Juniper.  I don't think they do cardholder-initiated CLIs, but they review every 6 months or so.

Good luck!

[Red1Blue]

HomeDepot / Citi is very generous with CLI. Try that first.

[Anonymous]

Thanks Cheddar, I assumed as much about the Juniper card, may try the Home depot (just looked online and they said they will do a pull, so the credit score may be more important than the balance...hmmm do I waste in inq?)


Thanks!

[Red1Blue]

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HinH wrote:
Thanks Cheddar, I assumed as much about the Juniper card, may try the Home depot (just looked online and they said they will do a pull, so the credit score may be more important than the balance...hmmm do I waste in inq?)


Thanks!

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I am not sure Citi would do hard inq for CLI. I though most of them are soft at Citi, unless you are asking for very large amount of CLI. I could be wrong, others in the forum might have better answer on this.

[Anonymous]

Wait until 6 months on Junny-

They do do Customer requested CLI's - if nothing is there for the CSR they call the credit department.  

[Anonymous]

On the CLI form at the bottom it says...

"By submitting this form, you authorize Citibank (South Dakota), N.A. to check your credit history."

So I don't know, I would think soft pull...but?

[Anonymous]

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@Anonymous wrote:

Wait until 6 months on Junny-

They do do Customer requested CLI's - if nothing is there for the CSR they call the credit department.

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Thanks...will do.

[Anonymous]

That will be a hard-

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HinH wrote:
On the CLI form at the bottom it says...

"By submitting this form, you authorize Citibank (South Dakota), N.A. to check your credit history."

So I don't know, I would think soft pull...but?

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[Anonymous]

That was my first thought...we will see, I am planning on doing this to help my util, but have to wait until everything reports and get the score bump...