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Established Member
sterl1002
Posts: 22
Registered: ‎11-25-2013
0

Chase Auto-CLI!!!

Hey folks, 

 

So I've had this Chase Freedom MC card since 2008, which was PC'd from a Chase +1 student MC last year when they discontinued the +1.  I was carrying a maxed out balance on it for literally YEARS, since 2009. Well this past Fall I found myFICO and got my act together and started paying things down and paid this 5 year old balance to $0 over two months (my new job with a big raise helped in this regard :smileyhappy: ). I was worried about balance chasing, but waited a month and saw no change in my CL so I was grateful for that small favor :smileyhappy:

 

Aftter I paid the Freedom off I got a pretty big score jump so I tried apping for the CSP and was denied after the 7-10 day message because of my util on other cards, which is understandable. Then on Tuesday I was denided my AMEX 3x CLI for the same reason :smileysad: Well I login to Chase today to pay a few charges before the statement cuts, and I saw they increased my CL from $2k - $4k! :smileysurprised:

 

I used my Freedom to pay my rent last month, which ammounted to $1,500, and PIF before the satement cut, so perhaps that combined with the sudden paydown of the long carried balance told them I'm in better financial shape than I was as a college student :smileyhappy: This should really help me with my overall util (which stood at 42% pre-CLI). It's also my first-ever non-store card Auto CLI, and makes my Freedom my highest limit card which has me excited. :smileyhappy:

 

Now I'm off to tend to my seedlings in the hopes of applying for that CSP in the Fall when my util will be near $0 :smileyhappy:


Starting Score: 623
Current Score: 708 (myFICO EQ)
Goal Score: 750


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Valued Contributor
gdale6
Posts: 9,722
Registered: ‎12-13-2013
0

Re: Chase Auto-CLI!!!

Nice, congrats :smileyhappy:

EX Cred Ses 12/14: 796 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 12/14: 858
EQ Fico 05/14 781 ; EQ MPM 12/14: 750
TU Fico 8 12/14: 719; TU MPM 06/14 706
Valued Contributor
asphaltcowboy
Posts: 1,134
Registered: ‎02-03-2013
0

Re: Chase Auto-CLI!!!

Congrats on the new CLI, keep up the good work!!




Starting Score TU 667 EQ 663 EX 655
Current Score TU 721 EQ 719 EX 717 Last Update 8/2014
Garden Club 04/10/2013 (Goal 2015 or Longer)




Valued Contributor
BigBS
Posts: 2,268
Registered: ‎02-18-2014
0

Re: Chase Auto-CLI!!!

Congrats on the CLI!


AMEX BCP - $34.5K | AMEX Delta SkyMiles Gold - $10.4K | AMEX Platinum - NPSL | BofA BBR VISA - $15K | BofA Merrill Lynch + VS - $15K | Barclaycard Arrival WMC - $17.5K | Chase freedom VS - $5.5K | CSP VS - $25K | Chase Slate VS - $13.8K | Citi DC - $23.9K | Citi HD - $25K | Coldwater Creek MC - $15K | Discover it - $14.5K | FIA AMEX - $16K | Synchrony/HH Gregg - $10K | Synchrony/Lowes - $25K | LMCU PP VISA - $10K | NFCU cashRewards VS - $30K | NFM (Store Card) - $6K | PFCU Platinum CRV+ - $39K | US Bank Cash+ - $16.5K | US Bank Cash+ - $12.5K | USAA WMC - $20.3K Last HP 16 Nov 14 - Gardening into 2016.
Valued Contributor
maiden_girl
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Chase Auto-CLI!!!

nice!

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
-Wade-
Posts: 12,624
Registered: ‎08-13-2013
0

Re: Chase Auto-CLI!!!


sterl1002 wrote:

Hey folks, 

 

So I've had this Chase Freedom MC card since 2008, which was PC'd from a Chase +1 student MC last year when they discontinued the +1.  I was carrying a maxed out balance on it for literally YEARS, since 2009. Well this past Fall I found myFICO and got my act together and started paying things down and paid this 5 year old balance to $0 over two months (my new job with a big raise helped in this regard :smileyhappy: ). I was worried about balance chasing, but waited a month and saw no change in my CL so I was grateful for that small favor :smileyhappy:

 

Aftter I paid the Freedom off I got a pretty big score jump so I tried apping for the CSP and was denied after the 7-10 day message because of my util on other cards, which is understandable. Then on Tuesday I was denided my AMEX 3x CLI for the same reason :smileysad: Well I login to Chase today to pay a few charges before the statement cuts, and I saw they increased my CL from $2k - $4k! :smileysurprised:

 

I used my Freedom to pay my rent last month, which ammounted to $1,500, and PIF before the satement cut, so perhaps that combined with the sudden paydown of the long carried balance told them I'm in better financial shape than I was as a college student :smileyhappy: This should really help me with my overall util (which stood at 42% pre-CLI). It's also my first-ever non-store card Auto CLI, and makes my Freedom my highest limit card which has me excited. :smileyhappy:

 

Now I'm off to tend to my seedlings in the hopes of applying for that CSP in the Fall when my util will be near $0 :smileyhappy:


Congrats on your auto-luv :smileyhappy:

Old user name newportguy*** Current Score: myFico EQ - 806 (04/04/2014) Discover TU Fico - 813 (09/02/2014) myFico EX - 804 ( 07/08/2014 ) ******* Amex - BCP 10 K * Discover - IT 10.5 K * U.S. Bank Cash + Visa Signature 8.8 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ****** FICO 800 Club Member ******* EQ 806 *** TU 813 *** EX 804 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******
Senior Contributor
alvon123
Posts: 9,136
Registered: ‎09-24-2013
0

Re: Chase Auto-CLI!!!

congrats


Valued Contributor
Epcot
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Chase Auto-CLI!!!

That's great, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Chase Auto-CLI!!!

Congrats!! Ive been banking with Chase for 7 years+ and have NEVER gotten an auto cli like that.

Did you update your income with them?? That may have helped! Congrats!!
The Marriott Premier Rewards card is another extremely useful Chase card! And it has a huge sign up bonus. I love Chase!!
Good luck!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Member
sterl1002
Posts: 22
Registered: ‎11-25-2013
0

Re: Chase Auto-CLI!!!


youngandcreditwrthy wrote:
Congrats!! Ive been banking with Chase for 7 years+ and have NEVER gotten an auto cli like that.

Did you update your income with them?? That may have helped! Congrats!!
The Marriott Premier Rewards card is another extremely useful Chase card! And it has a huge sign up bonus. I love Chase!!
Good luck!

Thanks everyone! 

 

@young I didnt update anything with them, but as I mentioned I was rejected for the CSP recently, so maybe they used the income from that app to update their database? Not sure if that's how it works. And the Mariott card is on my list... once I get my util down and can leave the garden :smileyhappy:


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