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Chase Auto CLI

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cdtotten
Established Contributor

Chase Auto CLI

Just wanted to let everyone know that Chase gave me an auto-CLI from $12,500 to $15,000. I honestly didn't know until I logged in today and saw it. It should be noted that my highest other CL is $15,000 with Alliant, so chase may be matching theirs. This is the 4th auto-cli in my 6 years of having the card (started at $6,000).

 

Now just gotta decide if I wanna request the increase from Amex. Button has been back for over a month... at $12,500 currently. Any suggestions on what I should request?


Starting Score: 627 EQ, 621 TU - 11/15/08
Current Score: 778 EQ, 781 TU, 778 EXP 07/20/12 Lender Pull
Goal Score: 800 EQ & TU


Take the FICO Fitness Challenge
Message 1 of 10
9 REPLIES 9
JagerBombs89
Established Contributor

Re: Chase Auto CLI

Message 2 of 10
cdtotten
Established Contributor

Re: Chase Auto CLI

Got scared... did $18,000, instantly approved. Yay.


Starting Score: 627 EQ, 621 TU - 11/15/08
Current Score: 778 EQ, 781 TU, 778 EXP 07/20/12 Lender Pull
Goal Score: 800 EQ & TU


Take the FICO Fitness Challenge
Message 3 of 10
castlefox
Regular Contributor

Re: Chase Auto CLI

What chase credit card do you have?

MyFICO score- Equifax - 12.03.11 - 780 Experian 12.03.11 - 763
(FAKO Scores) EXP PLUS Score Dec 2011. 748
Advanced Risk Score 2.0 (NextGen) 793 Dec 2010
Vantage Score (2011) MAR = 771 Jun = 771 Sept= 788 Dec= 773
2012 MAR = 782 JUN=783 Dec = 789
2013 Mar-796 Jun-799 Dec- 797
Message 4 of 10
RockinRay
Valued Contributor

Re: Chase Auto CLI

With Chase, how often will they give you an Auto CLI?

 

Ray

Ray

** Every Card has a Job, and Every Card does its Job **
Message 5 of 10
cdtotten
Established Contributor

Re: Chase Auto CLI

Freedom. Has never been a pattern on the CLI..usually 12-18 months apart. All CLIs requested by the consumer are hard pulls by chase; auto CLIs are not.


Starting Score: 627 EQ, 621 TU - 11/15/08
Current Score: 778 EQ, 781 TU, 778 EXP 07/20/12 Lender Pull
Goal Score: 800 EQ & TU


Take the FICO Fitness Challenge
Message 6 of 10
castlefox
Regular Contributor

Re: Chase Auto CLI

Well that is super awesome then cdtotten.  

 

What is your utilization percentage to you let post on your Freedom card?

MyFICO score- Equifax - 12.03.11 - 780 Experian 12.03.11 - 763
(FAKO Scores) EXP PLUS Score Dec 2011. 748
Advanced Risk Score 2.0 (NextGen) 793 Dec 2010
Vantage Score (2011) MAR = 771 Jun = 771 Sept= 788 Dec= 773
2012 MAR = 782 JUN=783 Dec = 789
2013 Mar-796 Jun-799 Dec- 797
Message 7 of 10
scientifics
Frequent Contributor

Re: Chase Auto CLI


@cdtotten wrote:

Got scared... did $18,000, instantly approved. Yay.


Did you use some kind of automated system or did you talk to a rep?

Message 8 of 10
cdtotten
Established Contributor

Re: Chase Auto CLI

For AMEX - I always use the online automated system. Prompts me every 6 months when eligible. Never a hard pull - just ask how much you want and your income. My balance when requesting a CLI has always been <10%, usually $0.00.

 

As for CHASE - I actually have carried large balances with them for long periods in the past. At one point, after a consolidation, I had $8,000 out of $9,500. Over time that got paid off. Currently, I have a $2,200 balance. They have always given me my increases while carrying a balance suprisingly.

 

Overall util was 10% (now 9% because of the changes). EQ FICO as of today is 740.


Starting Score: 627 EQ, 621 TU - 11/15/08
Current Score: 778 EQ, 781 TU, 778 EXP 07/20/12 Lender Pull
Goal Score: 800 EQ & TU


Take the FICO Fitness Challenge
Message 9 of 10
tinuviel
Moderator Emeritus

Re: Chase Auto CLI

Congrats on both the Chase and Amex! Your cards have grown very well for you, nice job.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 10 of 10
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