topic Re: How is Chase with CLI? in Credit Cards

How is Chase with CLI?

Duncanrr — Thu, 04 Oct 2012 03:49:08 GMT

From my reading, I know that CLI requests will be a hard pull. My question is, with that in mind, what can I expect in terms of CLI from them? Any suggestions on best way to approach this (wait 4 statements/6 prior to requesting, call in/do online, etc.)

Currently I have Chase Amazon with 2k starting CL (got about 1 month ago) and Chase Freedom with 1.5k starting CL (got about 2 weeks ago).

Re: How is Chase with CLI?

cashnocredit — Thu, 04 Oct 2012 03:50:32 GMT

Duncanrr wrote:
From my reading, I know that CLI requests will be a hard pull. My question is, with that in mind, what can I expect in terms of CLI from them? Any suggestions on best way to approach this (wait 4 statements/6 prior to requesting, call in/do online, etc.)

Currently I have Chase Amazon with 2k starting CL (got about 1 month ago) and Chase Freedom with 1.5k starting CL (got about 2 weeks ago).

Yep. Hard pull almost always. OTOH, they ask how much you want. Just tell them. Worked for me.

Re: How is Chase with CLI?

Duncanrr — Thu, 04 Oct 2012 03:51:47 GMT

When did you request your first one? I was thinking at my 6 month point (right after refi but before it starts to report)

Re: How is Chase with CLI?

calihlove75 — Thu, 04 Oct 2012 03:54:18 GMT

I received an automatic CLI on my Chase Amazon Visa about 4 months. I requested a CLI on my Freedom after the 2nd month just calling the regular number on the card and it was doubled.

Re: How is Chase with CLI?

cashnocredit — Thu, 04 Oct 2012 04:01:17 GMT

Duncanrr wrote:
When did you request your first one? I was thinking at my 6 month point (right after refi but before it starts to report)

It was my first one a couple months ago. I wanted it to be a higher limit since my wife is joint on it and we use it for pretty much all household expenses and need flexibility. Even though it's NPSL (siggy) I'd like to avoid exceeding the CL Got the card in Jan. They offered it, Slate, and the SP when I opened a checking account. Initially it was 7k.

Re: How is Chase with CLI?

MrCredit — Thu, 04 Oct 2012 07:21:24 GMT

I had received my CLI through Chase automatically about three months ago on a 9 month old Chase Sapphire Preferred. Went from $6,000-$10,000.

No HP or SP. They like PIFs and lots of usage. I used it for all purchases for 9 months straight and PIF before the statement.

Re: How is Chase with CLI?

CreditScholar — Thu, 04 Oct 2012 08:34:28 GMT

I received an auto CLI after 3 months of heavy usage on my Chase United card. If you request one though, they will likely HP you.

Re: How is Chase with CLI?

migliogiorni — Thu, 04 Oct 2012 09:08:52 GMT

CLI's can be requested at any time with HP's.

Re: How is Chase with CLI?

TeeandDee — Thu, 04 Oct 2012 09:44:54 GMT

Duncanrr wrote:
From my reading, I know that CLI requests will be a hard pull. My question is, with that in mind, what can I expect in terms of CLI from them? Any suggestions on best way to approach this (wait 4 statements/6 prior to requesting, call in/do online, etc.)

Currently I have Chase Amazon with 2k starting CL (got about 1 month ago) and Chase Freedom with 1.5k starting CL (got about 2 weeks ago).

I received an $500 auto CLI on my Chase Freedom at the six month mark. No HP. I use on my Freedom a lot. It's pretty much my everyday card so I guess they do like usage. Sometimes I PIF and sometimes I carry a balance for a month or two, but always make a large payment towards the balance when I do.

Re: How is Chase with CLI?

youngandcreditwrthy — Thu, 04 Oct 2012 12:55:20 GMT

Wow!!! Some early clis I see!!

Re: How is Chase with CLI?

Duncanrr — Thu, 04 Oct 2012 14:50:26 GMT

Ive been using my amazon card heavily (about 70% of the CL) and made multiple payments to it. On my Freedom, Ive used it about average (20-30% CL) but havent made a payment to it yet. Will PIF prior to statement cut date on 15th.

Should I increase my usage? Im also pushing about 1k per month through Zync and about 1k per month through Delta. Im also using about 1.4k per month on Walmart discover. My crap1 and WF secures are seeing little use.

Re: How is Chase with CLI?

Imua — Thu, 04 Oct 2012 17:05:12 GMT

youngandcreditwrthy wrote:
Wow!!! Some early clis I see!!

My initial CL with Chase Freedom was $4500 - when I received my 2nd statement in the mail, I was surprised to see my CL had increased to $6000.

Re: How is Chase with CLI?

isoldmyatlas — Thu, 11 Oct 2012 03:35:58 GMT

Loving all these early CLIs...my Chase Amazon was just approved at $800 but it will definitely get some heavy usage on the Amazon front these next few months! Gives me hope that they'll bump me up to a 4 digit CL in (hopefully) the not too distant future.

Re: How is Chase with CLI?

Dustink — Thu, 11 Oct 2012 03:42:46 GMT

Duncanrr wrote:
From my reading, I know that CLI requests will be a hard pull. My question is, with that in mind, what can I expect in terms of CLI from them? Any suggestions on best way to approach this (wait 4 statements/6 prior to requesting, call in/do online, etc.)

Currently I have Chase Amazon with 2k starting CL (got about 1 month ago) and Chase Freedom with 1.5k starting CL (got about 2 weeks ago).

As you know, I just got a chase freedom as well.

My plan is to wait six months and then try sweet talking them into a small SP CLI.

Re: How is Chase with CLI?

maiden_girl — Thu, 11 Oct 2012 03:46:47 GMT

I recently applied for Chase Freedom and got approved for 3k. I have a good feeling they are going to be great with CLIs! So far, my highest limit personal credit card!

Re: How is Chase with CLI?

creditnocash — Thu, 11 Oct 2012 03:49:43 GMT

had my freedom since july.

used all my 500 3 times and pif before statement cut each time.

still at 500 4 months in =/

Re: How is Chase with CLI?

Uborrow-Upay — Thu, 11 Oct 2012 03:55:22 GMT

It's no secret to any long time members of these boards that I absolutely hate Chase. I use them like they try to use me.

I will say, though, that usage is important to them. I've received CLIs that I didn't even want. I give them 5 out of 5 for this one thing.

But, Chase is arrogant. I use Chase for 0% APR w/ (0%) transactions (BTs) only.

Yeah, they happen. And those numbers all are contigent on current debt.

The higher the balances on other accounts, the higher the trans fees. When you have no balances to transfer, you get the zip fee.

Chase pays attention to every little detail, as we all should.

Aside from that, let it all play out as it should.

Re: How is Chase with CLI?

Dustink — Thu, 11 Oct 2012 04:30:18 GMT

Uborrow-Upay wrote:
It's no secret to any long time members of these boards that I absolutely hate Chase. I use them like they try to use me.

I will say, though, that usage is important to them. I've received CLIs that I didn't even want. I give them 5 out of 5 for this one thing.

But, Chase is arrogant. I use Chase for 0% APR w/ (0%) transactions (BTs) only.

Yeah, they happen. And those numbers all are contigent on current debt.

The higher the balances on other accounts, the higher the trans fees. When you have no balances to transfer, you get the zip fee.

Chase pays attention to every little detail, as we all should.

Aside from that, let it all play out as it should.

I will likely get my sign up bonus and then only use the card enough to keep it open. Then denied me the intro apr offers, but gave me a $5k limit??? I don't really like Chase, but I will give them a chance. Maybe in time they will get better.

Re: How is Chase with CLI?

maiden_girl — Thu, 11 Oct 2012 04:45:59 GMT

Dustink wrote:
Uborrow-Upay wrote:
It's no secret to any long time members of these boards that I absolutely hate Chase. I use them like they try to use me.

I will say, though, that usage is important to them. I've received CLIs that I didn't even want. I give them 5 out of 5 for this one thing.

But, Chase is arrogant. I use Chase for 0% APR w/ (0%) transactions (BTs) only.

Yeah, they happen. And those numbers all are contigent on current debt.

The higher the balances on other accounts, the higher the trans fees. When you have no balances to transfer, you get the zip fee.

Chase pays attention to every little detail, as we all should.

Aside from that, let it all play out as it should.

I will likely get my sign up bonus and then only use the card enough to keep it open. Then denied me the intro apr offers, but gave me a $5k limit??? I don't really like Chase, but I will give them a chance. Maybe in time they will get better.

Call the app status number. I called it tonight and it was updated. I have 0% intro APR until12/2013 according to the automated system. Not exactly 15 months like they said but I still got it.

Re: How is Chase with CLI?

Dustink — Thu, 11 Oct 2012 05:02:06 GMT

maiden_girl wrote:
Dustink wrote:
Uborrow-Upay wrote:
It's no secret to any long time members of these boards that I absolutely hate Chase. I use them like they try to use me.

I will say, though, that usage is important to them. I've received CLIs that I didn't even want. I give them 5 out of 5 for this one thing.

But, Chase is arrogant. I use Chase for 0% APR w/ (0%) transactions (BTs) only.

Yeah, they happen. And those numbers all are contigent on current debt.

The higher the balances on other accounts, the higher the trans fees. When you have no balances to transfer, you get the zip fee.

Chase pays attention to every little detail, as we all should.

Aside from that, let it all play out as it should.

I will likely get my sign up bonus and then only use the card enough to keep it open. Then denied me the intro apr offers, but gave me a $5k limit??? I don't really like Chase, but I will give them a chance. Maybe in time they will get better.

Call the app status number. I called it tonight and it was updated. I have 0% intro APR until12/2013 according to the automated system. Not exactly 15 months like they said but I still got it.

When I called and talk to them, they said I was not approved for the intro APR and that I am stuck at 23%. I wasted a perfectly good rant about their false advertising and deceptive marketing haha. 0% APR until 12/2013 according to the recording. Yet another case of the computer having more power than the CSR's, starting to sound like crap1. Thanks for the heads up to call again. :)

I might carry a balance on the card at 0% and keep the money in an interest bearing account until the end of next year.