Which is better: CLI request before or after product change?

[frugal47374]

I'm considering accepting the offer to change my BofA cash rewards to Unlimited Cash Rewards.

I think the $200 and 0% for 15 months is worth more than the extra 1% (3%-2% available on other cards) on certain categories.

Regardless of what you think of that, what is the best way to end up with the largest credit limit?

Should I ask for an increase on the old card?  Or wait until the change to the new one?  Would I be able to ask for a CLI on the new card immediately or would there be a waiting period?

(And is there a wrong answer for "how much of an increase do you want?".  "As much as possible" is not a number so I can't enter that... )

[Brian_Earl_Spilner]

Not sure about BofA, but some lenders won't allow a CLI after product change if there's normally a waiting period. An example would be NFCU. Since they reevaluate your rate when changing, they won't allow you to request an increase for 181 days. In that situation, it's better to request prior to a PC

[Taurus22]

I'll use my situation as an example to make this point....

I plan to PC my Citi DC over to the Custom Cash once (and IF) they allow it. My Citi DC pretty much stays in the sock-drawer, so it sees little usage. My CL on the Citi DC was $6500 when the Custom Cash came out and knowing that if I am able to PC it over......I will only use the Custom Cash for the $500 Max 5% category for restaurants. Given that I would only ever put $500 on the new card, it would not be likely that I am going to see many CLI's moving forward.  (At least not very big ones, if at all) So I decided to go ahead and try for a CLI on the DC now......got a $2k increase to $8500 about a week ago. 

Otherwise, it usually 6 months (just like opening a new card) before a CLI would be available.  But BoA may have a different policy on this......idk.  I've heard most New BoA cardholders mention having to wait a year before the CLI button becomes available to them. Maybe this applies to PC'ed cards, maybe not ?

Hope any of this helps....