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Huge Auto CSP CLI

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unc0mm0n1
Established Contributor

Huge Auto CSP CLI

I have only had one auto CLi with Chase and that was for 1K on my CSP. My DW who only has a year of credit history just got a 100% auto CLI on her 5 month old CSP from 5K to 10K. I didn't even know Chase did that. She runs about 3K a month on it with a high of 4.5K last month (all PIF). She doesn't bank with Chase but she does have three other Chase cards (Hyatt, Freedom, United). Has anyone else had this? 

Last App March 23, 2015. Gardening until November 25, 2015
Current Score: 766 EX 734 EQ 780 TU 6/30/2015Starting Score/Goal Score: 580s/780s across the board
Message 1 of 15
14 REPLIES 14
-Wade-
Valued Contributor

Re: Huge Auto CSP CLI


@unc0mm0n1 wrote:

I have only had one auto CLi with Chase and that was for 1K on my CSP. My DW who only has a year of credit history just got a 100% auto CLI on her 5 month old CSP from 5K to 10K. I didn't even know Chase did that. She runs about 3K a month on it with a high of 4.5K last month (all PIF). She doesn't bank with Chase but she does have three other Chase cards (Hyatt, Freedom, United). Has anyone else had this? 


Congrats on your CLI Smiley Happy awesome

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 2 of 15
unc0mm0n1
Established Contributor

Re: Huge Auto CSP CLI


@Wade64 wrote:

@unc0mm0n1 wrote:

I have only had one auto CLi with Chase and that was for 1K on my CSP. My DW who only has a year of credit history just got a 100% auto CLI on her 5 month old CSP from 5K to 10K. I didn't even know Chase did that. She runs about 3K a month on it with a high of 4.5K last month (all PIF). She doesn't bank with Chase but she does have three other Chase cards (Hyatt, Freedom, United). Has anyone else had this? 


Congrats on your CLI Smiley Happy awesome


thanks but it's my DW's CLI. I wish Chase showed me that type of love.

Last App March 23, 2015. Gardening until November 25, 2015
Current Score: 766 EX 734 EQ 780 TU 6/30/2015Starting Score/Goal Score: 580s/780s across the board
Message 3 of 15
BearsAndTurtlesRtheBest
Senior Contributor

Re: Huge Auto CSP CLI

Congrats!!! Thats a nice bump!

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019
Message 4 of 15
gdale6
Moderator Emeritus

Re: Huge Auto CSP CLI

I cant help you with Chase dont deal with them but congrats on your CLI, enjoy Smiley Happy

Message 5 of 15
CreditScholar
Valued Contributor

Re: Huge Auto CSP CLI

Util of 50%+ (and PIF each time) over a few months seems to be the trigger for an auto-CLI.

 

This is also assuming that:

1. Your CRs show that you're capable of an increased CL

2. You haven't hit your max exposure limit to Chase

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Message 6 of 15
yudeology101
Senior Contributor

Re: Huge Auto CSP CLI


@CreditScholar wrote:

Util of 50%+ (and PIF each time) over a few months seems to be the trigger for an auto-CLI.

 

This is also assuming that:

1. Your CRs show that you're capable of an increased CL

2. You haven't hit your max exposure limit to Chase


This is great info, thanks Scholar.

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 7 of 15
yudeology101
Senior Contributor

Re: Huge Auto CSP CLI


@unc0mm0n1 wrote:

I have only had one auto CLi with Chase and that was for 1K on my CSP. My DW who only has a year of credit history just got a 100% auto CLI on her 5 month old CSP from 5K to 10K. I didn't even know Chase did that. She runs about 3K a month on it with a high of 4.5K last month (all PIF). She doesn't bank with Chase but she does have three other Chase cards (Hyatt, Freedom, United). Has anyone else had this? 


Oh yea, congrats to your DW on a huge luv from Chase!

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 8 of 15
DigitalArk
Valued Contributor

Re: Huge Auto CSP CLI

Congrats!

Message 9 of 15
Kenny
Moderator Emeritus

Re: Huge Auto CSP CLI


@unc0mm0n1 wrote:

@Wade64 wrote:

@unc0mm0n1 wrote:

I have only had one auto CLi with Chase and that was for 1K on my CSP. My DW who only has a year of credit history just got a 100% auto CLI on her 5 month old CSP from 5K to 10K. I didn't even know Chase did that. She runs about 3K a month on it with a high of 4.5K last month (all PIF). She doesn't bank with Chase but she does have three other Chase cards (Hyatt, Freedom, United). Has anyone else had this? 


Congrats on your CLI Smiley Happy awesome


thanks but it's my DW's CLI. I wish Chase showed me that type of love.


Are you showing them the type of love your wife is? lol!

Message 10 of 15
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