I say "command line" or "command prompt" when speaking to a Windows-based/minded audience. I drop the 'interface' part as there shouldn't be confusion over it.
I use "terminal" when speaking to a UNIX-based/minded audience.
I find that I generally pronounce 3 letter acronyms letter by letter but I pronounce four letter (or more) acronyms like words if I can, and only fall back to letter-by-letter if there's not an obvious word-like pronunciation. There are certainly exceptions ("SQL" being a notable one).
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[ 4.5 ms ] story [ 29.7 ms ] threadI use "terminal" when speaking to a UNIX-based/minded audience.
I pronounce it "C-L-I" when thinking to myself.
2. Cly (like CRY)
I want to pronounce it "cleye." In Tron there was CLU, pronounced "clue" and that should be definitive source.