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New Member
Supercollector16
Posts: 13
Registered: ‎10-13-2012
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Chase Freedom CLI

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!

American Express Gold Card- No preset spending limit / Capital One- $2000 CL / CareCredit- $5,000 CL / Chase Freedom- $2,000 CL /
CitiBank Mastercard- $1,200 CL / Dell Preferred- $2,000 CL / Firestone (CFNA)- $2,600 CL / Helzberg- $5,200 CL / Wal Mart- $3,000 CL
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
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Re: Chase Freedom CLI

Chase is pretty tricky w CLI unless it's auto. I'd say no unless you're making several hundred dollar payments per month. Also heard they do hp for cli requests.
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New Member
Supercollector16
Posts: 13
Registered: ‎10-13-2012
0

Re: Chase Freedom CLI

Thanks!

American Express Gold Card- No preset spending limit / Capital One- $2000 CL / CareCredit- $5,000 CL / Chase Freedom- $2,000 CL /
CitiBank Mastercard- $1,200 CL / Dell Preferred- $2,000 CL / Firestone (CFNA)- $2,600 CL / Helzberg- $5,200 CL / Wal Mart- $3,000 CL
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
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Re: Chase Freedom CLI

Don't waste the HP. You need to get util below 10%.



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Established Contributor
SevenNEW
Posts: 522
Registered: ‎08-24-2011
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Re: Chase Freedom CLI


LS2982 wrote:
Don't waste the HP. You need to get util below 10%.

My opinion as well. I understand it is more fun to think of silver bullets like applying to new cards or raising CL, but from what you say the one course of action is arming oneself with patience and paying off debt as quickly as possible.

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webhopper
Posts: 7,225
Registered: ‎09-16-2011
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Re: Chase Freedom CLI


SevenNEW wrote:

LS2982 wrote:
Don't waste the HP. You need to get util below 10%.

My opinion as well. I understand it is more fun to think of silver bullets like applying to new cards or raising CL, but from what you say the one course of action is arming oneself with patience and paying off debt as quickly as possible.


 

+1... you wont get a nice CLI until your utilization goes wayyy down

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Valued Contributor
RyVision
Posts: 1,346
Registered: ‎04-15-2011
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Re: Chase Freedom CLI

 

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.

Moderator
Revelate
Posts: 9,731
Registered: ‎12-30-2011
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Re: Chase Freedom CLI

Haha RyVision, so true and thank you for making me LOL.
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Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
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Re: Chase Freedom CLI


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 :smileyvery-happy:

 

http://www.youtube.com/watch?v=2rUfCAuIOx0

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012
0

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.Chase really does extend a second chance if they see you are making a real effort to rebuild.

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