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Valued Member
jeffgucci
Posts: 32
Registered: ‎01-17-2011
0

Chase CLI question

Just got a Chase Freedom...$1500 CL...what is the best strategy to grow it to a signature? How much time will it take? i know its a very broad question...just need some insight



Starting Score: 594 11/2010
Current Score: 5/14/2014 My Fico EX 675 TU 651 EQ 665
Goal Score: 850 (I'm coming)

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Contributor
hyp0luxa
Posts: 113
Registered: ‎10-24-2013
0

Re: Chase CLI question

You can request a CLI at any time, but it's a HP. Given that, it's probably best to wait 6 months unless there is a notable improvement in your scores.

As far as VS goes, your card has to be open > 12 months before it can be considered for upgrade.


Last TL/HP 9/23/2014 | Gardening till March 2015 at least...
AMEX PRG - NPSL | NASA Cash Rewards - 30k | NFCU Cash Rewards VS - 25k | Chase CSP 16.8k |
PayPal Extras MC - 7.5k | Citi Dividend - 6.7k | BOA 3-2-1 VS - 6k | WalMart MC- 6k | Barclays Apple Visa - 5.7k |
Chase Freedom VS - 5k | Cap1 QS One - 4k | AMEX Everyday - 2k
Established Member
nickerson
Posts: 10
Registered: ‎06-25-2013
0

Re: Chase CLI question

I just requested to upgrade mine to a signature a few weeks ago. At first they said I couldn't because it needed a minumum $5,000 CL and that I would have to request a CLI. I did that and they increased the CL to $5,000. I asked if it was also upgraded to a signature and they told me they couldn't because I haven't had it for a year. I will try again at the end of June when it turns 1 year old.

AMEX BCE $25,000 | CSP $12,000 | Sallie Mae $10,000 | USAA Platinum $7,000 | Discover IT $5,850 | Citi Double Cash $5,000 | Chase Freedom $5,000
Frequent Contributor
Jayb5635
Posts: 321
Registered: ‎08-02-2012
0

Re: Chase CLI question

I got my Freedom 8/2012 with a 1.5k credit line. I never requested a cli until last week and was instantly approved for another 5k. I immediately sent them a secure message requesting an upgrade to visa signature. Got a call back the following morning, rep verified some info, and approved the request. Hope this info helps in some way


In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $13,500, Amex Starwood $1000, Chase Freedom Visa Signature $5000, Chase Sapphire Preferred Visa Signature $10,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $5000, Cap One Quicksilver MasterCard $2000, Citi Forward Visa $5300, Discover IT $5000
Established Contributor
mister-endowed
Posts: 583
Registered: ‎09-22-2013
0

Re: Chase CLI question

I'll be interested to know the answer to this one cos I got the Freedom too earlier this month with a hard limit of $500 and lowest APR of 14.99% after 0% for 15months (very weird). I've been recon'ing the limit like crazy and no one seems shaken, not even their EO. I already called their Backdoor again a couple mins ago and all she told me was that they need to see how well I manage the account in 6-12months before they can consider a line increase. Oh well at this point I give up trying, I'll go cash in my $135 I already accumulated and S'D it! It's very inconvenient cos I've had to pay 3 times already in a month not minding the drive to the bank to make payments since ACH payments aren't available immediately as opposed to cash payments. Oh well.....

Macy's Furniture $6400| Macy's Jewelry $5600| Macy's AMEX $3000| Macy's Store $1000| Discover It $1500| Citi AAdvantage $2000| Barclay Arrival $1000| SYNCB/Sony Card $1500| TD Easy Rewards $1000| Capital One Quicksilver $1500| Chase Freedom $500|

Starting Score: 490
Current Score: EQ 728 (681 as of 07/30/14) EX 721 TU 735 (669 as of 07/30/14)
Goal Score: 780

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Valued Member
jeffgucci
Posts: 32
Registered: ‎01-17-2011
0

Re: Chase CLI question

How should I use this card, i.e untilization...charge up to CL amd pay...what is best to create a history they will see as favorable?



Starting Score: 594 11/2010
Current Score: 5/14/2014 My Fico EX 675 TU 651 EQ 665
Goal Score: 850 (I'm coming)

Take the FICO Fitness Challenge
Contributor
hyp0luxa
Posts: 113
Registered: ‎10-24-2013
0

Re: Chase CLI question

I used 50 to 75% of my CL every month and paid in full. Started with 2k, called in and got 5k at 6 months.


Last TL/HP 9/23/2014 | Gardening till March 2015 at least...
AMEX PRG - NPSL | NASA Cash Rewards - 30k | NFCU Cash Rewards VS - 25k | Chase CSP 16.8k |
PayPal Extras MC - 7.5k | Citi Dividend - 6.7k | BOA 3-2-1 VS - 6k | WalMart MC- 6k | Barclays Apple Visa - 5.7k |
Chase Freedom VS - 5k | Cap1 QS One - 4k | AMEX Everyday - 2k
Member
Ermar101
Posts: 9
Registered: ‎04-01-2014
0

Re: Chase CLI question

My dads been a great chase customer unfortunately life got the better of him and he got hit with a collection which dropped his credit a lot, is there any chance Chase would approve a CLI with a lower score or is it better to not test faith, he knows it'll be a hard pull

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