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I've tried once again for a Soft CLI on my Chase Freedom card which I have had since 2008. It's currently at 1K limit, with a not terrible apr of 13.9%
the response was expected "not eligible at this time"
GRRRRRR!!
I have FICO Scores of 831 on both Transunion and Equifax
I have the following cards/limits
Barclay rewards (7.8K)
Cap One QS (6.75K)
Maurices (1K) - i know.......kind of a junk card
Citi rewards (10K)
Discover (22K)
Sears MC (5K)
Sears Store card (5K)
JC Penney MC (5K)
SNCB/VNBASS (3K) - from 0% 12 mos furniture purchase over 2 years ago
All cards currently at 0% untilization, with the exception of letting 1 report a small balance each month. This month was Chase reporting $146.
What gives? the last time I requested a soft pull CLI, i had not used the card in almost a year. So I have been putting some moderate spend on this card each month (considering the CL) for the past 4 months (150-200) and letting it report, then paying in full.
This had previously been a plain old Chase card up until a couple months ago when I PC'd it to a Freedom, thinking this combined with utilizing the card would help.
I currently have no Inquiries in the last 12 months, and only 2 on Transunion and 1 on Equifax in the past 2 years.
I refuse to give in and allow a hard pull for a CLI, but seriously, these guys are really ticking me off!!!
Come June 2016, I will not have any "new" accounts under 2 years. I MAY app for another Chase card at that point and allow the hard pull for a CLI.....but DAMN!!!!!!!
K