02-03-2012 09:13 AM
So I got a Chase Freedom card in December of 2011 and I've run it up to near the limit for every billing cycle and paid it off the day after the statement.
They initially gave me a $3000 limit and I'm wondering how often they give out automatic INQ free CLIs.
I have a high balance of 10,600 showing on my Amex plat, a 4000 limit at Citi and a 12,000 limit at USAA. I also have a few GE cards all around 2000.
This is my first Chase card and I'm wondering if any of you have positive experiences with getting an auto CLI. Ultimately, I'd like to app for a Sapphire Preferred but I hear they match their existing in house limits on new accounts.
02-03-2012 09:20 AM
Have the freedom, have had a couple other Chase cards in the past. Parents have had a few (different kinds) and I have yet to hear about an auto CLI from Chase from much of anyone. I have heard they used to be good ad CLDs however.
02-03-2012 11:14 AM
I got an auto CLI on my Freedom 2 years after opening. They raised me from 2k to 3k.
2 weeks ago I apped and recieved a Sapphire with a starting CL of 5k instant approval.
02-03-2012 01:38 PM
I like the baiting them with a few bucks of interest idea.
As far as letting the balance report to the CRAs, I've done it a couple times to show other soft pullers that I've run it up and paid it off. I only do one at a time to keep overall utilization low and if I know I'm apping or asking for a CLI from someone I make sure my overall utilization is < 10%
02-05-2012 09:05 AM
I don't know about Auto CLIs but I went to the Branch the other day and the banker had a 'Green Button' credit offer on her computer for me, but I decided not to take it. She couldn't be sure what it was unless I wanted to accept it.
She said that it usually means that the computer is telling her to offer another card to me and the computer has a very high chance to have instant approval. I didn't want to take it since I only got my card about 2 months ago..
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.