Chase is a conservative lender. I have had card with them 5.5 years never a CLI with scores north 800 from MY FICO. I would not even waste an inquiry.
One more thing...
Keep in mind when you ask for CLI the lender evalutes your credit worthiness. Credit worthiness is not just your payment history with them but all your creditors and also the amount of debt you have. It is the belief on this board it is fine to ask every six months. Some have had sucess in doing so. I do not agree with this. I would make sure you have at least a year of history with the creditor especially in todays credit environment. Also before you hsk for a CLI know which type of inquiry it is Hard ( which will affect your score) or soft (which not affect your score). I would also consider each card and the credit limit on it. For example I have three store cards Lowes, JC Penney and Target. For what I buy there the credit limit is more than enough for my purchases. So I will not ask for CLI's from those creditors no need to. In almost 30 years I have asked for s CLI four or five times and had 50% sucess rate. All the CLI's have auto increases. Just something to think about.
FICO Scores XPN v8 802 V2 831 (SDFCU) TUC 803 v8 EFX 807 (10/2023)
Discover 09/90 19,000, JCPenney 10/2008 4,700 US Bank Cash 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 15,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 Banking: Ally Bank Credit Unions: Lafayette FCU Fortera FCU State Department FCU Pelican CU
Pelican State CU Redstone FCU
