Chase Credit card CLI NEWS

[matthallis]

I called chase to ask if they could give me a cli on my freedom card without doing an inquiry. The guy on the phone told me chase does not do cli without a hard pull but said in the next week or so they will starting softing for cli? Does anyone know if this sounds right? Did chase always hard pull for cli?

[shane82388]

Softing for CLI as in they will periodically soft pull your report to see if you "qualify" for an auto-CLI? Or softing as in when you request a CLI from the it will be a soft inquiry?

[FinStar]

Yes, always HP for the most part, rarely SPs.  I wouldn't put too much stock into it until anecdotal experiences start streaming in and their overall u/w (CLI) policy changes altogether.  If so, this will certainly make it more flexible for a lot of folks who prefer not to rack up many HPs for a CLI review/request.

[Revelate]

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@matthallis wrote:

I called chase to ask if they could give me a cli on my freedom card without doing an inquiry. The guy on the phone told me chase does not do cli without a hard pull but said in the next week or so they will starting softing for cli? Does anyone know if this sounds right? Did chase always hard pull for cli?

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Chase has done HP's 99% of the time for customer-initiated CLI requests. 

Occasionally people have gotten SP CLI's: it's not Powerball winner lucky, but it's probably on the order of coming up with New York, Tennesee, and St. James place in the McDonalds Monopoly game.

[Emdee_MD]

I have had my Sapphire just over a year and a half and just got a auto CLI from 5k to 7.5k. It has been my main card for the past year. and I carried a balance of about 3 grand for the past 6 months. paid it off in full, and a month later got the CLI. 

[youngandcreditwrthy]

I certainly hope they have sp clis soon!
I know Amex sure does.
I mean.. They already pay for the reports anyway, might as well use them.

[CreditScholar]

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@Revelate wrote:

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@matthallis wrote:

I called chase to ask if they could give me a cli on my freedom card without doing an inquiry. The guy on the phone told me chase does not do cli without a hard pull but said in the next week or so they will starting softing for cli? Does anyone know if this sounds right? Did chase always hard pull for cli?

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Chase has done HP's 99% of the time for customer-initiated CLI requests. 

Occasionally people have gotten SP CLI's: it's not Powerball winner lucky, but it's probably on the order of coming up with New York, Tennesee, and St. James place in the McDonalds Monopoly game.

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+1 in that CLI requests will result in a HP, although if they auto-CLI you it's usually done via a SP. Heavy usage plays a large role in auto-CLIs, and while they're somewhere rare they're not as nearly rare as people might think.