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Regular Contributor
Drew
Posts: 209
Registered: ‎03-27-2007
0

6 months with Chase, but no CLI.

I've had both the Freedom and Sapphire for six months with reasonable usage and PIF every month;  however, I've not received an auto CLI.  What gives?

American Express Blue Cash Everyday $25000
Capital One Venture World MasterCard $10000
Chase Freedom Visa Signature $10000
Chase Sapphire Visa Signature $15000
Discover IT $8000
GEMB Old Navy Visa $25000

Moderator
09Lexie
Posts: 25,125
Registered: ‎09-13-2012
0

Re: 6 months with Chase, but no CLI.

The 6 mos isn't auto with Chase. If you want a CLI, you can ask just be prepared for a hp.
Regular Contributor
Drew
Posts: 209
Registered: ‎03-27-2007
0

Re: 6 months with Chase, but no CLI.


09Lexie wrote:
The 6 mos isn't auto with Chase. If you want a CLI, you can ask just be prepared for a hp.

Already overextended the amount of HP's, unfortunately.  I was really hoping for the auto CLI.

American Express Blue Cash Everyday $25000
Capital One Venture World MasterCard $10000
Chase Freedom Visa Signature $10000
Chase Sapphire Visa Signature $15000
Discover IT $8000
GEMB Old Navy Visa $25000

Valued Contributor
FocusedAndDetermined
Posts: 6,281
Registered: ‎01-05-2013
0

Re: 6 months with Chase, but no CLI.

I've been with Chase for almost 5 yrs and only recently recvd a whopping $500 CLI, and it wasn't an auto CLI.

 

As difficult as it is to understand credit, Chase seems to be a true challenge.

Super Contributor
longtimelurker
Posts: 6,186
Registered: ‎04-22-2013
0

Re: 6 months with Chase, but no CLI.

I have had my Chase Amazon since 2004, and never got a CLI.   In fact, I think I have only ever had one auto-CLI, and that was from Barclays.

Most active cards: Amex BC ($50K), Cap One QS ($33K) Fidelity Amex ($20K)
Others: CSP, Freedom, Chase Amazon, Cap One QS, Penfed Plat Rewards (x2), Citi TY Preferred, Citi Dividend, Citi AA Plat Select, Citi Forward, Amex BCE, Amalgamated Bank, Sallie Mae, Cash Plus
Scores May 14: EQ 848, EX 833, TU 841 (Jul)
Valued Contributor
FinStar
Posts: 5,156
Registered: ‎10-21-2012
0

Re: 6 months with Chase, but no CLI.

[ Edited ]

Drew wrote:

09Lexie wrote:
The 6 mos isn't auto with Chase. If you want a CLI, you can ask just be prepared for a hp.

Already overextended the amount of HP's, unfortunately.  I was really hoping for the auto CLI.


As Lexie mentioned above, 6 months is not a magic number.  This is simply a general "gauge" or based on anecdotal experiences that some folks have posted.  Some have had auto-CLIs literally within 3 months of opening their account(s), others have gone about 8-12 months before seeing anything.  Yet, there are others who go beyond 12 months before they see any auto-CLIs.

 

Just keep doing what you're doing and give it some time.  Chase isn't like GECRB or other lenders who may have some predictability on the auto-CLI front.  Ultimately, Chase is the type of lender where customer-initiated CLI requests are the norm, albeit with a lovely HP to boot.

 

Valued Contributor
lg8302ch
Posts: 2,659
Registered: ‎11-13-2012
0

Re: 6 months with Chase, but no CLI.

Chase is also very conservative with CLI and it looks to me a whole lot easier to get a new card than a CLI. While they would not grant me a CLI to 5K on my 9 months old Freedom they approved me a week later for a new card at 16K.....I gave up understanding lenders :smileyhappy:
FICO® EQ 784 (as of today) - TU 771 (07/25) * Fako EX 799 (07/02 - CS) * last app 06/01/14 * INQ last 2 yrs TU: 5, EX: 7, EQ: 7


Move the mouse over the cards for detailed view!..................................................................* Bronze Spade Garden Club member *
Super Contributor
enharu
Posts: 6,889
Registered: ‎02-27-2013
0

Re: 6 months with Chase, but no CLI.


FinStar wrote:

Drew wrote:

09Lexie wrote:
The 6 mos isn't auto with Chase. If you want a CLI, you can ask just be prepared for a hp.

Already overextended the amount of HP's, unfortunately.  I was really hoping for the auto CLI.


As Lexie mentioned above, 6 months is not a magic number.  This is simply a general "gauge" or based on anecdotal experiences that some folks have posted.  Some have had auto-CLIs literally within 3 months of opening their account(s), others have gone about 8-12 months before seeing anything.  Yet, there are others who go beyond 12 months before they see any auto-CLIs.

 

Just keep doing what you're doing and give it some time.  Chase isn't like GECRB or other lenders who may have some predictability on the auto-CLI front.  Ultimately, Chase is the type of lender where customer-initiated CLI requests are the norm, albeit with a lovely HP to boot.

 


+1.

From my experience, Chase is not a 6 month reviewer like Discover / Citi / US Bank. 

I've gotten auto CLI at very random intervals (3 months, 5 months, 8 months, etc), and each CLI happened around a couple days after the statement cut.

I have also gone as long as over a year without any sort of auto CLI on my Chase Amazon..... I think do perodical reviews constantly rather than doing them at set intervals.

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Senior Contributor
Irisa
Posts: 4,148
Registered: ‎07-26-2008
0

Re: 6 months with Chase, but no CLI.


FinStar wrote:

As Lexie mentioned above, 6 months is not a magic number.  This is simply a general "gauge" or based on anecdotal experiences that some folks have posted.  Some have had auto-CLIs literally within 3 months of opening their account(s), others have gone about 8-12 months before seeing anything.  Yet, there are others who go beyond 12 months before they see any auto-CLIs.

 

Just keep doing what you're doing and give it some time.  Chase isn't like GECRB or other lenders who may have some predictability on the auto-CLI front.  Ultimately, Chase is the type of lender where customer-initiated CLI requests are the norm, albeit with a lovely HP to boot.

 



+1

 



Current Scores: EX 795 / EQ 798 / TU 796
Current cards: CSP - Freedom - Discover It - Amex BCP - BoA BBR - Capital One QS and QS1 - Citi TYP
Regular Contributor
370Z
Posts: 201
Registered: ‎06-15-2013
0

Re: 6 months with Chase, but no CLI.

Auto-CLIs are generally given out by Chase to those with high usage. The closer your monthly spend is to your CL, the better your chances.

Citi AAdvantage Plat. VS - 10k - 12.24% - 6/12 ~ Chase Ink+ WEMC - 5k - 10.24% - 7/12 ~ Chase Freedom VS - 5k - 12.99% - 2/13 ~ Chase Hyatt VS - 5k - 15.24% - 6/13 ~ Amex Hilton HHonors - 5.8k -12.24% - 8/13 ~ Chase IHG WMC - 3k - 15.24% - 1/14 ~ Chase Ink$ VS - 5k - 13.24% - 5/14

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