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New Contributor
Posts: 52
Registered: ‎05-21-2011
0

Chase CLI Increase Recon

:smileyvery-happy: I'm so happy I could die.

 

 

Anyways, I originally started with Chase in 2010 after having a Discover card for 6 months. Both my Discover and Chase card were student cards and had an initial limit of $500.

 

Fast forward to today, my Discover card has grown to a $1,500 limit and my chase still $500. I hadn't applied for new credit in such a long time, I decided to bite the bullet and ask Chase for a CLI of at least $1,000 to match the $1.5k of Discover. Declined.

 

I had previously asked for a CLI from chase earlier and was declined both in the initial and recon because I was still too new (this was when I had them for a year).

 

I decided to wait for the letter to see what it would say. It say "too many new accounts recently opened." Now, my newest account on my credit report is a best buy card which is over a year old now, and after that it's my American Express card which is 2 years old - so I didn't understand why I even got declined.

 

Now, I was caring a balance on 2 of my 4 cards (64% util) and my credit score isn't fantastic (borderline 690+) because I maxed out my cards a few months ago. But that wasn't the reason I was declined. I decided to call the BD number to recon and I talked to a very nice lady who asked why I wanted to get a cli. I told her I wanted the card to be matched to my highest limit at least, and the $500 credit line is really limiting in terms of wanting to use the card and really discourages me and I don't use it at all.

 

She put me on a brief hold and voila, I got approved for a increase OF $1,500 making my CL $2000! O: My highest so far.

 

I'm extremely happy that I was finally able to get some growth with this card after having it for almost 3 years. I've paid off 3 of my credit cards this month, only carrying a balance on one, and now this increase will help even more with my util %! 

 

:smileyvery-happy: Yay


Starting Score: 673 EQ(05/20/2014)
Current Score: 707 EQ(06/30/2014)
Goal Score: 730

Current cards: AmEx Everyday ($6,000), Discover It ($5,000), Barclays Sallie Mae ($9,000), AmEx Platinum (NPSL), JP Morgan Ritz Carlton ($27,000)
Regular Contributor
Posts: 104
Registered: ‎07-18-2011
0

Re: Chase CLI Increase Recon

congrats! Chase recon is great

Equifax 712 transunion 693experian 673
Chase freedom 500 Chase United explorer 5000 Discover IT 13000 AMEX PRG npsl AMEX BCE 6000 CSP 12000.AMEX ED 15000 Citi Simplicity 7000
Contributor
Posts: 208
Registered: ‎03-20-2013
0

Re: Chase CLI Increase Recon

Congrats on your recon!



Amex BCE: $16.5k, Discover It: $5k, Chase Freedom Visa: $10k, Fidelity Amex: $7.5k, PenFed Cash Rewards Visa: $3.5k, CapOne Union Plus MC: $4.5k, Barclays Upromise MC: $5k, BoA Cash Rewards 123 MC: $1.5k
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Chase CLI Increase Recon

Whoo hoo congrats!

 

happy dance.jpg

 

 

Its good to know that this process works.

 

Wondering if it will work for my Chase Amazon card when I go for an increase on that card!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

Re: Chase CLI Increase Recon

Congrats! That's wonderful!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Moderator
Posts: 27,207
Registered: ‎09-13-2012
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Re: Chase CLI Increase Recon

Frequent Contributor
Posts: 290
Registered: ‎08-29-2011
0

Re: Chase CLI Increase Recon

what number did you call to get the recon?

Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Chase CLI Increase Recon

Nicely done, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
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