Stunned by Chase Auto CLI

[Bay_Area_Joe]

As some of you on the forum have read and commented on my posts over the months have seen me get a lot of credit, and pretty decent starting CL and some nice Auto CLI and a HP CLI on my B of A.

Well, as most of us here I am just a little bit consumed with learning about the credit markets.  I pretty much check all my accounts every day.

Last night I logged into Chase, and I noticed that my Priority Club Visa, that I remind you I only got in March 2013 during an AOR with a $8,400 starting CL, when I looked last night I was shocked to see a $ 10,000 auto increase.

What amazing me more than anything is that I have only had 4 statements cut, and total spending in those 4 months did not break 2k, and no spending since June. Of course 0 bal and PIF, always.

How could Chase see so little use and turn around and give me 10k more?  I do admit I use the Marriott and CSP for a total of about 4k a month spend, the PIF prior to statement cut.  But really ?

My total exposure with Chase is at 38,900.

I mean, I know I am doing a great job in all, but how in the world do they determine these things.

Income has not changed, scores pretty consistant across the board at 760 or higher.

Makes me want to apply for the Hyatt card and if not auto approved I have plenty of limits to shift around.  But I must reisit...... My 9 INQ's have to go away.

Any input is appreciated, as always.

thank you.

J

[Mellon]

Stop bragging...LOL

Seriously... congrats.. don't question the increase.. just go with it..

Apparently Chase LOVES you.. go for the other card if you want it

[snowkitty]

Congrats!! You are obviously doing a fantastic job and Chase wants your business! I'm glad to see Chase loves someone because it sure ain't me! lol

[Crashem]

I'm more amazed at how long low your Amex is. You need to 3x that guy.

[09Lexie]

Congratulations! If the Hyatt card fits your lifestyle then I say go for it

[Eightiron]

Now I am no longer happy with my 500 CLI.  Even if I did just open the account and havent even used it yet.

Seriously though, Congrats, well earned!

[Bay_Area_Joe]

I burned Amex 20 years ago, but I did get back in Jan 2013 with Green and March 2013 with Hilton.  I have tried the 61 3x CLI and decline due to past deliquencies, and tried again just last week for less than 3x at just over 90 days, and again same repsonse.

It will just take time I guess, or I might stuck there for life, who knows.  I wanted AMEX due to backdating, and that worked, it is really I cared about.

But 2k is low....

Thanks

I know one response fo me to be bragging, I was only trying to obtain information for future use to understand the logic with Chase.  Sorry if it came off that I was bragging.

J

[Mellon]

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@Bay_Area_Joe wrote:

I burned Amex 20 years ago, but I did get back in Jan 2013 with Green and March 2013 with Hilton.  I have tried the 61 3x CLI and decline due to past deliquencies, and tried again just last week for less than 3x at just over 90 days, and again same repsonse.

It will just take time I guess, or I might stuck there for life, who knows.  I wanted AMEX due to backdating, and that worked, it is really I cared about.

But 2k is low....

Thanks

I know one response fo me to be bragging, I was only trying to obtain information for future use to understand the logic with Chase.  Sorry if it came off that I was bragging.

J

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I was just kidding with you... you have great cards and great credit!!

[maiden_girl]

CONGRATS! I agree. Don't question it.

[missjae]

That is a huge increase and it gives me hope for the future. Congrats!!