Chase CLI?

[750orbust]

So I just got my Chase Slate in the mail today with a $2,000 limit. I immediately called them and asked for a CLI for a total of $6,000. I was denied. Now my mortgage is through Chase as well and have been making payments on that for 8 months now all on time. Two weeks ago i also got a Lowes card with an $8,500 CL And on the same day cap1 gave me a $500 CLI.  I have perfect payment history and my utilization is around 40% right now And my scores are exp 676, eqx696 and tu 685 so why wouldn't Chase give me the CLI I asked for or at least a counter offer?

[-Wade-]

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@750orbust wrote:

So I just got my Chase Slate in the mail today with a $2,000 limit. I immediately called them and asked for a CLI for a total of $6,000. I was denied. Now my mortgage is through Chase as well and have been making payments on that for 8 months now all on time. Two weeks ago i also got a Lowes card with an $8,500 CL And on the same day cap1 gave me a $500 CLI.  I have perfect payment history and my utilization is around 40% right now And my scores are exp 676, eqx696 and tu 685 so why wouldn't Chase give me the CLI I asked for or at least a counter offer?

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You need to get this under 10%

[myjourney]

My guess to many recent new debts so they want to see how you handle their product first which Chase is known to do

[750orbust]

Do they not bring in to consideration my mortgage which is with them.?

[myjourney]

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@750orbust wrote:

Do they not bring in to consideration my mortgage which is with them.?

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No they don't for CC's 

[750orbust]

I don't need the additional credit I was basically just seeing if they would approve me for any CLI at all. I asked for more than I expected to get but I was really anticipating a counter offer. The only reason I want the CLI anyways is to help my utilization.

[-Wade-]

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@750orbust wrote:

Do they not bring in to consideration my mortgage which is with them.?

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I don't have a chase account, so i can't answer that. I would say the reason is that your scores are under 700. If you pay your Util down your scores will rise into the 720's maybe 730

[750orbust]

I can easily have my utilization down to about 15-20% in less than 2 months but figure I had better wait at least six months before asking for a CLI again. Is Chase pretty good about doing auto CLI after six months or will I have to ask, or is six months still to soon, should I give it a year?

[-Wade-]

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@750orbust wrote:

I can easily have my utilization down to about 15-20% in less than 2 months but figure I had better wait at least six months before asking for a CLI again. Is Chase pretty good about doing auto CLI after six months or will I have to ask, or is six months still to soon, should I give it a year?

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I would see where my score is in 6 months then go from there

[750orbust]

Ok six months it is. Thanks for the advice.