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Valued Contributor
Posts: 1,588
Registered: ‎04-24-2008
0

CLI question for Chase CC

I used to have 3 Chase CC (Slate, Freedom, Freedom Exclusives) for $8,600, $8,000, $8,000. I closed the Chase Slate $8,600 - paid off. I wanted to keep the Freedom, Freedom Exlcuvies for rewards. The question is...I wanted to ask Chase to increase my CL for my 2 Chase cards from $8,000 to $12,000. I haven't had any hard pulled on my report for the last 6 months and have a total of 5 inquires in the last 2 yrs.

 

I do have one baddies: Medical for $1,600 6yrs ago and no late payments for 5.6 yrs.

 

I had 2 unecessary hard pulled from: AT&T Uverse & CLEAR.  I don't want any hard inquiries to effect my score at all right now to effect my Fico score.

 

If I request the CLI, will Chase do a hard pull (sorry if I am not using the correct terms) or a soft pull?

My current 2 Chase cards have ZERO balance as I have paid off the cards 2 days ago. My new Fico score haven't taken effect yet with my ZERO balance on my 2 Chase CC. Before the paid off, my UTIL was 35% on my CC. I am hoping with a ZERO balance on my 2 Chase CC, my Fico score could topple 700 (well, according to the simulation, if I get my UTIL down to 0-10%, my Fico score could be in the 722-800 range, don't know how accurate that simulation is.

 

Current cards in my wallet:

 

Discover with CL of $15,000 as I am an AU (balanced $3,500). Opened in 1985

Chase Freedom $8,000 (balanced zero). Opened 2008

Chase Freedom Exclusives $8,000 (balanced zero) Opened 2002

 

My current score is: TU: 695; EQ: 682; EXP: 681

 

Any advice on what I should do? Should i ask for an increase from $8,000 to $12,000 or $15,000?

 

Thanks in advance from a Newbie!!

Frequent Contributor
Posts: 474
Registered: ‎09-12-2010
0

Re: CLI question for Chase CC

Any cli request for chase is always a hard pull no matter what
FICO scores - 727 TU(Walmart)/ 727 EX(Amex app)/ 721 EQ(Discover app)
In My Wallet: BankAmericard Cash Rewards($2,000), Discover More($3,000), Chase Freedom($2,000), Fidelity Amex($1,000), Sam's Club Discover($4,400), SallieMae 5% Mastercard($5,000), Amex BCE($2,000) ,Citi Simplicity($2,000), Paypal SmartConnect($3,100), Walmart Store Card($2,350), Chase Amazon Visa($700), Target RedCard($500), Capital One Cash Rewards($750), Best Buy Store Card($1,900), HHGregg($2,000), Amazon Store Card($1,250),Newegg Preferred Account($2,000), Park West($2,000), BankAmericard Travel Rewards($5,000)
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Valued Contributor
Posts: 1,588
Registered: ‎04-24-2008
0

Re: CLI question for Chase CC

I was trying to combined my Slate card with a CL of $8,600 into my 2 other Chase cards but Chase refused to do so. That's why I closed the Slate card. I am worried now, that Chase will not increase my CL from $8,000 to $12,000. They are being very difficult now from what I heard. If they declined my CLI, should I try the backdoor number?

 

Thanks again in advance !!

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