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Got a card nRewards with them 2.5 months ago. Did a PC after a few weeks to a cashRewards card. Have run about 10k through it so far with multiple large payments and always a $0 balance on statement. Is there a good waiting period (like 3x 61 day on Amex) to request a CLI? Better to do one on the phone, secure message or online? I have multiple personal and business products with them (Auto, CLOC, CC, Personal Loan, etc). Thanks for the feedback.