Chase CLI - denied

[darkfrosty]

Oh well. I knew I shouldn't have tried. Had my CSP for two years and a freedom for 2 months. Tried for a CLI on the CSP .. no go.

Chase has already given me a 29.2k total credit line. So I took a hard pull. I have a total of 4-5 on ex from this year. Hitting the garden 

for 6 months then going for a 61 day cli on amex and a cli on discover.

[LS2982]

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@darkfrosty wrote:

Oh well. I knew I shouldn't have tried. Had my CSP for two years and a freedom for 2 months. Tried for a CLI on the CSP .. no go.

Chase has already given me a 29.2k total credit line. So I took a hard pull. I have a total of 4-5 on ex from this year. Hitting the garden 

for 6 months then going for a 61 day cli on amex and a cli on discover.

---

Sorry to hear

You may have reached the maximum amount of credit they are willing to give you.

[09Lexie]

Sorry about the denial.

[FinStar]

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@darkfrosty wrote:

Oh well. I knew I shouldn't have tried. Had my CSP for two years and a freedom for 2 months. Tried for a CLI on the CSP .. no go.

Chase has already given me a 29.2k total credit line. So I took a hard pull. I have a total of 4-5 on ex from this year. Hitting the garden 

for 6 months then going for a 61 day cli on amex and a cli on discover.

---

Sorry to hear about the CLI decline.  Once you hit a median exposure threshold for Chase, unless you have a large or well-established banking relationship (like CPC) in addition to the income/assets to support it, then it becomes pretty difficult for the average individual to attain any higher CLs.  Of course, anyone with a HNW has no issue getting CLs in the ranges of 50K-100K+ for some of their CPC products, even the CSP. 

$29.2K is still commendable for those 2 cards alone.  I imagine you are putting enough spend through both the CSP and Freedom?

[darkfrosty]

yeap I definitely am. 

Basically Chase gave me 26k for my csp when i applied. I have been given a bit more through auto clis. I aplpied for freedom to help generate points 

faster with the category spending. When I got approved they only have me 500. So i shifted credit around to split the cards.

I really like Chase. I bank with them and everything. But I tend to like amex more. The ability to pay your cc even when you dont have any charges on 

is a great plus.

I am actually looking to transfer my investments over to Chase and eventually hope to become a CPC with them.

[FinStar]

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@darkfrosty wrote:

yeap I definitely am. 

Basically Chase gave me 26k for my csp when i applied. I have been given a bit more through auto clis. I aplpied for freedom to help generate points 

faster with the category spending. When I got approved they only have me 500. So i shifted credit around to split the cards.

I really like Chase. I bank with them and everything. But I tend to like amex more. The ability to pay your cc even when you dont have any charges on 

is a great plus.

I am actually looking to transfer my investments over to Chase and eventually hope to become a CPC with them.

---

Oh I see.  That does makes sense as far as how you have the Freedom/CSP split.  I too may have reached a maximum threshold since my combined Chase CLs are around $36K (CSP, Freedom, British Airways & Amazon). 

They do have a great CPC program and the CWM penetration and growth has increased exponentially since 2010.

[jpschroe37]

Did you try to recon with them? I got a much bigger bump doing that after the initial evaluation.

[darkfrosty]

no i didnt do a recon .. after i called for the cli, I was told that it needed further review.

Then today got the call and she asked me questions and then said they are unable to grant me a cli.

[FinStar]

Unless for some reason you've hit the internal limit, that would be the only possibility that comes to mind.  Did they provide any other substantive reasons?

[enharu]

Have you tried to recon that yet?