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Regular Contributor
Bay_Area_Joe
Posts: 243
Registered: ‎10-05-2012

Stunned by Chase Auto CLI

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

 

 

 

$ 197,650 IN TOTAL CREDIT LINES.
MyFICO EQ 777 on 9/3/13 , MyFICO TU 787 on 9/3/13, MyFico EX Score 771 on 8/27/13
Pen Fed Visa 19k, Pen Fed LOC 20k, Citi Hilton Honors 15k, Chase Sapphire Preferred 19.9k, Citi MC Diamond Preferred 12.2k, Chase Marriott PR Sig Visa 12k, Chase Priority 5k, Sams Discover 20k, Amex Hilton Surpass 2k, BofA Hawaii 5k
Discover More 16.25k, Chase Southwest Visa 3.5k, Wells Fargo LOC 10k,
B of A Visa 20k, Wells Plat Visa 6.7k RC Willey 5k Discover IT 4k AMEX TE 2k
Frequent Contributor
Mellon
Posts: 338
Registered: ‎08-31-2007

Re: Stunned by Chase Auto CLI

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

| NFCU Cashrewards $14,000 | NFCU Platinum $12,000 | NFCU Navchk $10,000 | Amex BCE $3,000 | Amex HHonors $1,700 | Chase Freedom $3,300 | Chase Sapphire Preferred $5,000 | BOA 3-2-1 $5,000 | Barclays Apple $4,450 | CapOne Quicksilver $1,000 | OCCU Beaver $5,000 | CITI Diamond Preferred $2,500| Citi TYP $5,000 | GTE FCU $3,000 | | Discover IT $3,500 | Walmart Discover $8,000 | NCSECU $750 | NASA FCU $2,000| Chase Slate $4,000 | Barclays Reward MC $1,500| Best Buy $3,000 | Wells Fargo $3,000 | Chase Amazon $3,000
Established Contributor
snowkitty
Posts: 979
Registered: ‎09-10-2012

Re: Stunned by Chase Auto CLI

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
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 7.5k | Boa Travel 9k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 13.5k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Valued Contributor
Crashem
Posts: 3,098
Registered: ‎01-26-2012

Re: Stunned by Chase Auto CLI

[ Edited ]
I'm more amazed at how long low your Amex is. You need to 3x that guy.
               LIMITS IN CARD DESCRIPTIONS
Moderator
09Lexie
Posts: 24,112
Registered: ‎09-13-2012

Re: Stunned by Chase Auto CLI

Congratulations! If the Hyatt card fits your lifestyle then I say go for it
Contributor
Eightiron
Posts: 158
Registered: ‎08-23-2013

Re: Stunned by Chase Auto CLI

[ Edited ]

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!


Gardening now for that spring harvest Entered 9/4/13 leaving 4/14
Regular Contributor
Bay_Area_Joe
Posts: 243
Registered: ‎10-05-2012

Re: Stunned by Chase Auto CLI

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

$ 197,650 IN TOTAL CREDIT LINES.
MyFICO EQ 777 on 9/3/13 , MyFICO TU 787 on 9/3/13, MyFico EX Score 771 on 8/27/13
Pen Fed Visa 19k, Pen Fed LOC 20k, Citi Hilton Honors 15k, Chase Sapphire Preferred 19.9k, Citi MC Diamond Preferred 12.2k, Chase Marriott PR Sig Visa 12k, Chase Priority 5k, Sams Discover 20k, Amex Hilton Surpass 2k, BofA Hawaii 5k
Discover More 16.25k, Chase Southwest Visa 3.5k, Wells Fargo LOC 10k,
B of A Visa 20k, Wells Plat Visa 6.7k RC Willey 5k Discover IT 4k AMEX TE 2k
Frequent Contributor
Mellon
Posts: 338
Registered: ‎08-31-2007

Re: Stunned by Chase Auto CLI


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


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

| NFCU Cashrewards $14,000 | NFCU Platinum $12,000 | NFCU Navchk $10,000 | Amex BCE $3,000 | Amex HHonors $1,700 | Chase Freedom $3,300 | Chase Sapphire Preferred $5,000 | BOA 3-2-1 $5,000 | Barclays Apple $4,450 | CapOne Quicksilver $1,000 | OCCU Beaver $5,000 | CITI Diamond Preferred $2,500| Citi TYP $5,000 | GTE FCU $3,000 | | Discover IT $3,500 | Walmart Discover $8,000 | NCSECU $750 | NASA FCU $2,000| Chase Slate $4,000 | Barclays Reward MC $1,500| Best Buy $3,000 | Wells Fargo $3,000 | Chase Amazon $3,000
Valued Contributor
maiden_girl
Posts: 2,004
Registered: ‎12-29-2011

Re: Stunned by Chase Auto CLI

CONGRATS! I agree. Don't question it. :smileyhappy:

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Established Contributor
missjae
Posts: 522
Registered: ‎07-18-2013

Re: Stunned by Chase Auto CLI

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

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