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Established Contributor
jimbo831
Posts: 977
Registered: ‎02-08-2012

Re: Chase Freedom CLI!


bichonmom wrote:

Congrats! I see from your siggy you are lucky enough to be with PSECU. That will grow with you big time, too! (Unfortunately, I missed their out of state cut off by a few hours!)

 

 


Thanks!  I actually got into PSECU through a convoluted process.  My wife and I both live in PA and she is a graduate student at Clarion University, a PA state run university.  Because of this, she was eligible to join.  She didn't have the credit to get anything with them though, so she just opened a savings account with the minimum $5 in it.

 

However, her having a savings account allowed me to become a member and get my own account.  They gave me a small starting limit on my combo, but I am confident they will give me a CLI when I eventually ask.  Even better, they also approved me for an autoloan at 2.49% which was great since I refinanced the new car we bought a couple months prior with about an 18% interest rate!  I am definitely fortunate to have been able to get PSECU and love getting my monthly EX score.

Gardening with: PSECU Combo $1k, Chase Freedom $3.5k, Discover It $1.7k, Amex Costco True Earnings $2k, Capital One Platinum $500, Best Buy Store Card $2.7k

Starting Score: FICO: 587 EX, 594 EQ, 632 TU, 2/15/12; USAA FAKO: 525 EX, 541 EQ, 525 TU, 2/15/12
Current Score: FICO: 678 EX, 629 EQ, 658 TU, 3/27/12; USAA FAKO: 721 EX, 721 EQ, 576 TU, 3/9/12
Goal Score: 700 Across the Board and Amex Zync or Costco By The End Of 2012


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Established Contributor
jimbo831
Posts: 977
Registered: ‎02-08-2012

Re: Chase Freedom CLI!


FloridaState12 wrote:

Lucky duck! I had to practically twist their arm just to give me a $500 CLI. 

 

Then I asked for more and they said they wanted to see if I used the now $1000 CL before they upped it anymore...well the whole damn reason I wanted a bigger CL is so I can use the card more. I can't get much more use out of it with a measly $500 more. I ran so much money through that card with a little tiny limit and paid it off and they still screwed me. /rant

 

I'm happy for you though. At least someone got some love :smileyhappy:


My best suggestion is to just keep using it.  I use my Freedom card for almost every purchase I make.  I would run through my limit and pay in full at least twice a month and the credit analyst did mention that.  Hopefully doubling from $500 to $1000 will help you put more on it regularly, but if you keep at it, I think you will get higher limits with Chase eventually.  They seem much less stingent than the likes of Capital One at least.

Gardening with: PSECU Combo $1k, Chase Freedom $3.5k, Discover It $1.7k, Amex Costco True Earnings $2k, Capital One Platinum $500, Best Buy Store Card $2.7k

Starting Score: FICO: 587 EX, 594 EQ, 632 TU, 2/15/12; USAA FAKO: 525 EX, 541 EQ, 525 TU, 2/15/12
Current Score: FICO: 678 EX, 629 EQ, 658 TU, 3/27/12; USAA FAKO: 721 EX, 721 EQ, 576 TU, 3/9/12
Goal Score: 700 Across the Board and Amex Zync or Costco By The End Of 2012


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Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

Re: Chase Freedom CLI!

How long did you have the Chase Freedom before requesting this increase?
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Established Contributor
jimbo831
Posts: 977
Registered: ‎02-08-2012

Re: Chase Freedom CLI!

March 2012.
Gardening with: PSECU Combo $1k, Chase Freedom $3.5k, Discover It $1.7k, Amex Costco True Earnings $2k, Capital One Platinum $500, Best Buy Store Card $2.7k

Starting Score: FICO: 587 EX, 594 EQ, 632 TU, 2/15/12; USAA FAKO: 525 EX, 541 EQ, 525 TU, 2/15/12
Current Score: FICO: 678 EX, 629 EQ, 658 TU, 3/27/12; USAA FAKO: 721 EX, 721 EQ, 576 TU, 3/9/12
Goal Score: 700 Across the Board and Amex Zync or Costco By The End Of 2012


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Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

Re: Chase Freedom CLI!

Nice! Thanks! :smileyhappy:
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Valued Contributor
creditnocash
Posts: 2,164
Registered: ‎07-23-2012

Re: Chase Freedom CLI!

Chase auto cli my card from 500-1000 after 5 months of use. i used it to max almost everymonth and pif and used it again. 

only once did they actually report a balance. 

 

i plan on asking for a cli sometime after the card is over a year. 

since asking is a hard pull.

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
jimbo831
Posts: 977
Registered: ‎02-08-2012

Re: Chase Freedom CLI!

I also got an auto CLI around the 5 month mark from $1000 to $1500. Perhaps that is something they do often?
Gardening with: PSECU Combo $1k, Chase Freedom $3.5k, Discover It $1.7k, Amex Costco True Earnings $2k, Capital One Platinum $500, Best Buy Store Card $2.7k

Starting Score: FICO: 587 EX, 594 EQ, 632 TU, 2/15/12; USAA FAKO: 525 EX, 541 EQ, 525 TU, 2/15/12
Current Score: FICO: 678 EX, 629 EQ, 658 TU, 3/27/12; USAA FAKO: 721 EX, 721 EQ, 576 TU, 3/9/12
Goal Score: 700 Across the Board and Amex Zync or Costco By The End Of 2012


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Established Member
KS13
Posts: 53
Registered: ‎01-06-2013

Re: Chase Freedom CLI!

[ Edited ]

Congrats!


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