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Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012
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Chase CLI worth a HP? Experiences?

So, I've had my Chase Freedom about six months....

 

I emailed them via a Secure Message, and they replied explaining that it would indeed be a HP for a CLI.

 

I HATE HPs! So.... I don't think they would approve it anyway.... and I'm not wasting a HP

 

Has anyone had good experiences with requesting a CLI six months in? I know the ONLY time I've gotten a CLI from Chase is on an old Platinum, turned Slate card which was auto cli to $700 from $400... haha when I was 19.

 

I've had a Slate with a $2500 CL from that same time.

 

and the only current, active, and open Chase account I have is the $5,000 Freedom in question. The others were pif and closed bc they tried to increase my APR.

 

I guess what I'm asking.. is Chase good with CLIs? I'd like to hear experience with Chase clis if anyone would like to share....BTW, this card is my only card that is close to being maxed out due to the 0% apr on purchases and bts. :-) lol

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
Posts: 608
Registered: ‎10-11-2012
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Re: Chase CLI worth a HP? Experiences?

I called Chase after having my Freedom for 1 month and asked them to double the limit and after a HP, they did. 


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Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
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Re: Chase CLI worth a HP? Experiences?

Since the card is close to its limit, you may not have the best luck.

 

If your credit has significantly improved since you apped, that would likely be your only hope. That includes having many older accounts with higher limits and low utilization at other banks.

 

I would pay down the balance and wait another 6 months before chancing a hard pull.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012
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Re: Chase CLI worth a HP? Experiences?

My score has actually improved like almost 100 points! and the two reports they use usually (EQ&EXP) are completely CLEAN now :-) My FICO was like 640 when I got approved, and now it is closer to 740 on EXP specifically.

 

Hmmm... I just don't know if a HP is worth it ! lol I've never had this many inqs on my reports! lol I have like about ten on each report, give or take a few. I guess some people do have like 20 something though haha!

 

and it was only within the past month or two that  I charged it up so high. 0% is just amazing!

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
Posts: 504
Registered: ‎08-28-2012
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Re: Chase CLI worth a HP? Experiences?

Try calling the executive office.  They can request CLIs without a hard pull.

Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012
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Re: Chase CLI worth a HP? Experiences?

Thanks djrez! The reason I love this forum!! haha I didn't even know Chase had an Exec Office! haha :-D

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Posts: 2,658
Registered: ‎06-05-2008
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Re: Chase CLI worth a HP? Experiences?


youngandcreditwrthy wrote:

Thanks djrez! The reason I love this forum!! haha I didn't even know Chase had an Exec Office! haha :-D


Yup - even Orchard has an executive office.  But I think that one is in a motel six in South dakota...  

3-26-15: FICO EXP: 814 - EQU:813 - TRAN: 809 - AVG: 812 +262 points from JUN 2008 - MY CREDIT JOURNAL

Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012
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Re: Chase CLI worth a HP? Experiences?

I know the num to Orchard Bank underwriting ahha!!

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Contributor
Posts: 116
Registered: ‎02-17-2011
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Re: Chase CLI worth a HP? Experiences?

[ Edited ]

Gerald A. Smith CEO Credit Card Services
Phone: Edited

Fax: Edited

E-Mail Address: Edited

This is for chase not orchard lol.

 

 

Post edited to remove direct contact info. In the future, don't post anyone's direct contact info. Names are allowed provided they are a public figure and a case can be made for that. As an alternative, feel free to post any website (e.g. like this one) that has that info (provided that URL doesn't break the rules of this site). - llecs, myFICO moderator

NFCU cash rewards 10,000 -Chase Sapphire Preferred 6,900-Chase Slate 6,000- Amazon 10,000 - Walmart 10,000- lowes 12,000 - Kay jewelers 7,500 - Amex Zync NPSL - CarCare One 500
Valued Contributor
Posts: 1,954
Registered: ‎01-24-2012
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Re: Chase CLI worth a HP? Experiences?


youngandcreditwrthy wrote:

 

 

Hmmm... I just don't know if a HP is worth it ! lol I've never had this many inqs on my reports! lol I have like about ten on each report, give or take a few. I guess some people do have like 20 something though haha!

 


Experian is at twenty one for me, all in 2011.I just tried for an increase on an eleven month old Chase Freedom and was declined. I rang in again and was granted 4000 from 3000. Both people said that all the new accounts (fifteen or something) is the reason for the decline. Utilisation is round 1 or 2%, so if you have opened up a lot of accounts, I would not bother. Chase and Barclays are tough for me; everyone else increases without question.

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