Which Cards Move the Fastest with Frequent CLI Increases 🚴🏽‍♂️

[Anonymous]

what kind of score needed for BOA

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I agree with Amex. 

One that starts with a $3k SL on an Amex card has a chance to bring it to $27k in roughly 8 months time.

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True i got a SL of $15,000 on my amex hilton ascend , 2 days later YES 2 DAYS LATER lol I requested a 3x CLI which i thought would get denied because I had just been approved for the card . Within seconds of hitting submit BOOM "Congratulations!!!" 45k limit!

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How, lol. That is as quick as I’ve seen. Whoa.

[Anonymous]

That is why i asked for data points assuming the income will pay a role as well. great point.

[Anonymous]

did you ask online or on the phone?

[JamP]

Amex BCE for the 3x Cli went from 500 cl to 50k cl (60 and 90 day cli trains)

Discover IT went from 1500 cl to $39500 (I missed the Discover cli train or mine would be 50k)

Citi Double Cash went from $3600 to $16300 (Cli Every 6 months like Clockwork, I missed the CLI glitch or mine would be 50k)

Can't say I have had much luck with any other card cli's. Most either stayed the same as approval cl or took some of the cl away unfortunately.

My DW would say Amex BCE, Tjmax, Walmart, and Citi DoubleCash. 

Discover hasn't been as good to her. She started with a Secured IT card with a $200 limit. Its now sitting at $3300 she gets $300 clis once in a while but seems kinda bucketed. Doesn't matter if we max it or minimal spend, doesn't matter on credit rating. Maybe someday they will crack. Most likely she needs to apply for a new one with her credit score.

Our Scores were very low when we started. Just a matter of letting stuff age and asking at the right time.

We both started with Cap1 Secured cards when it was time to get back into the credit game.

[Viva-LV]

For me, BOA was fastest: reached my exposure limit in two years.  Scores in the 740 - 750 range, income 120k (at the time).  US Bank (surprise!) and Citi came right behind.  Am Ex was fourth in line.  All with multiple cards, some combined/consolidated.  In my opinion, income is certainly critical.

[CreditJourney007]

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@JamP wrote:

Amex BCE for the 3x Cli went from 500 cl to 50k cl (60 and 90 day cli trains)

Discover IT went from 1500 cl to $39500 (I missed the Discover cli train or mine would be 50k)

Citi Double Cash went from $3600 to $16300 (Cli Every 6 months like Clockwork, I missed the CLI glitch or mine would be 50k)

Can't say I have had much luck with any other card cli's. Most either stayed the same as approval cl or took some of the cl away unfortunately.

My DW would say Amex BCE, Tjmax, Walmart, and Citi DoubleCash. 

Discover hasn't been as good to her. She started with a Secured IT card with a $200 limit. Its now sitting at $3300 she gets $300 clis once in a while but seems kinda bucketed. Doesn't matter if we max it or minimal spend, doesn't matter on credit rating. Maybe someday they will crack. Most likely she needs to apply for a new one with her credit score.

Our Scores were very low when we started. Just a matter of letting stuff age and asking at the right time.

We both started with Cap1 Secured cards when it was time to get back into the credit game.

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Wait, how long did it take for your BCE? I'm three years at $1000 and counting....- 

[Anonymous]

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@Anonymous wrote:

did you ask online or on the phone?

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I did it online !

[Anonymous]

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@FinStar wrote:

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Heh, not really.  It's been reported in a variety of past threads inclusive of the AmEx 3x CLI megathread.  @Anonymous also started a thread a while back on his success.   I was able to do the same thing on 3 AmEx revolvers, 2 last year and 1 the year prior.  ¯\_(ツ)_/¯

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From $15k to $45k?

[AverageJoesCredit]

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@Remedios wrote:

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@AverageJoesCredit wrote:
For cards that can grow ,high income is super important. No way are people getting those huge limits with Boa based off their credit score alone. Not everyone can go from a 15k limit to 45k like that. Smex may grow fast but they use alot of factors to determine if that person should get that kind of increase, imo.

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Freud said hi. He wants his smex back. 

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😄☻ Will it be a new account or do i keep the same smex number?😁