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- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
[email protected] wrote:
What is the quickest CLI you got and how do you usually get notified?
Synchrony. 2.5 mos auto. I was on the website and saw the higher CL. I got an email maybe 2 days later and a letter maybe a week after that.
Chase. 8 months, HP from my request. I saw the partially granted CLI (in the form of the new CL) from the Chase app the next morning. A letter a few days later. It might have been a waste of a HP, since I might have gotten one automatically soon thereafter.
Amex. 2.5 mos, SP from my request. I saw the higher CL on the app a few days after my request, with a letter a few days after that.
Discover. 14 months, SP from joint request. It's a joint account with a parent, and you need to request a CLI with both cardholders on the phone. Instant approval over the phone, with a letter a few days later.
*But, really, if a customer is wanted, the starting limit should be good. Rapid CLIs
are usually a gimmick. I kind of think the case with Amex was that I got a low starting limit on EDP as a sign of their annoyance I wasn't using my other two Amex cards much. Once I put EDP to serious use, I got a nice limit quickly.So, in short, the earliest indication of a CLI is generally checking the issuer's website or app for yourself.
Last edited by CarefulBuilder14
on Thu Oct 01, 2015 10:19 am, edited 1 time in total.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech