Credit Card Center Advertiser Disclosure

Established Contributor
Posts: 651
Registered: ‎08-07-2012
0 Kudos

Re: Chase Freedom CLI

My utl was 3%, but I had other negatives working against me so it was important to have a low utl in order to increase my chance for approval.They approved me despite having a previous unpaid chase collection and despite currently having one unpaid phone bill collection.I had to recon three times before achieving success.That one collection falls off in five more months.Can't believe how fast time is moving.This time last year all my credit scores were in the 500's.

Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Valued Contributor
Posts: 1,346
Registered: ‎04-15-2011
0 Kudos

Re: Chase Freedom CLI

LS2982 wrote:

RyVision wrote:


A Chase CLI request can be tricky with even sub 30% UTIL, but would be a 99.99% guarantee HP.   If you haven't had them over the year with perfect reports, don't even waste your phone time.  When it comes to Chase, you''d be better off doing something constructive with your time in comparison,...... like changing the air in your tires or something.

Yea you need to get that nissan altima that honks (filling tires) when your overdoing things, it will honk as soon you get a Chase rep on the phone Smiley Very Happy


that's rich!  Smiley LOL  Only problem is, to get the Altima, most people would have to take at least one HP!   And a new TL etc...


A lot of  people, most maybe (even me at times) could use software that honked whenever we went to a CC application page for more than 20 seconds!   Or the voice of HAL saying  "What are you doing <insert name here>".


Ya know, I did check out those new Altimas (because of the seats they bragged about in the ads), they only had 1 out front I could look at (they were closed) so I could see the price, it also had the options I'd want (most of them lol)......   36,000$.....   36 GRAND!   I wondered if a lot of people just went and checked out used (2009-2010) Lexus ES's after seeing that......   which would cost less

New Contributor
Posts: 96
Registered: ‎07-31-2012
0 Kudos

Re: Chase Freedom CLI

I received recently a $300 CLI on my Chase Freedom. Requested it 7 months later of having the card, low utilization around 15 - 30% overall and I usually pay in full or carry a very small balance or my cards some months.
My Current Plastic: {Amazon Store Card} {Amazon Visa} {Amex Zync} {Amex Gold PRG} {Amex BCE} {Bloomingdales} {BOA 123 Cash Rewards} {Capital One Platinum Visa} {Chase Freedom Visa} {Discover IT} {Kohls} {Macy's} {Nordstrom} {SonyCard Visa} {Target RedCard}
Frequent Contributor
Posts: 443
Registered: ‎03-19-2010
0 Kudos

Re: Chase Freedom CLI

ItchyAppFingers wrote:
I received recently a $300 CLI on my Chase Freedom. Requested it 7 months later of having the card, low utilization around 15 - 30% overall and I usually pay in full or carry a very small balance or my cards some months.

what are your current scores? i'm at $3,000 limit to start and in jan i was gonna try to get atleast up to $5,000 and get the VISA Signature version.

Valued Contributor
Posts: 2,802
Registered: ‎10-10-2012
0 Kudos

Re: Chase Freedom CLI

[ Edited ]

I have a slate with a very low CL since 2007 and no increase. I never wasted a HP trying, but I will admit my UTIL has been pretty high. Working on getting it down in the next few months.

Once my UTIL is way down I want the Chase Disney card. Hope for a much better limit.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Frequent Contributor
Posts: 358
Registered: ‎06-25-2012
0 Kudos

Re: Chase Freedom CLI

Supercollector16 wrote:

What is the highest utilization % some has had when getting approved over the phone for a CLI increase?


My card currently has a $2,000 CL and I have a 74% utilization % (very high).


In about a month that will drop to 55%. Any info and/or suggestions would be helpful. Thanks!

You seem to have decent limits across your cards -- is 74% your utilization on your Freedom card or your overall utilization?


I was able to get a CLI from $1,500 to $4,500 through underwriting with 82% utilization on my Freedom card and 29% utilization overall (highest utilization on any one card was 88%).

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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* 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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.