Chase Freedom for 2 years..still no CLI

[forceedge99]

I've had this card in perfect standing for over 2 years now, never a late bill, Other cards I have range from 5-20k and my credit scores around 760 to 770

And my chase freedom card is still a measly 800 bucks. My lowest card. I don't want a hard pull on it so I'm not requesting one, but it just really boggles my mind how I haven't received and automatic increase yet.

What the heck chase!

[Anonymous]

From my experience with Chase, you have to SHOW that you need the credit limit increase.  I went from 500 -> 1000 -> 2000 -> 4000 within a year, because during that period, I was pushing the limit all the time.  Now that I have more than the Freedom and only really use it for the bonus categories, I never hit close to my CL.  For that reason, I haven't had a CLI on the card  for a year despite always paying on time and putting purchases through the card.

If you want to get a big limit with Chase, either apply with a great report to get a high starting limit, or be ready to push lots of charges through your card to show that you need the higher limit.

[forceedge99]

Well I never put much on that card. I usually only use it for my phone bill which is 75 bucks. I don't want my UTI ratio to sky rocket

[Luscher]

usually you need to request one and burn a hard pull or app for another card to get a higher limit.

[VirtualCuriosity]

You may have trained them with not using it much.  The conditional response is probably for them to leave it where it's at.  To compare or give my experience.  I got mine in March of 2013 for 2k CL.  I used it A LOT for a year.  Then at some point, I must have missed a 500 increase because it was at 2.5k when I sock drawered it for several months with zero use.  Then I got a letter in the mail a month ago offering to CL without a HP, so I went online and inserted the code and got it doubled to 5k.  I just ran 500 through it to let them know I am still alive.  I am probably going to use it for the gas rewards at the start of the new year and let Barclays cool down.

[uswala]

I have similar sort of experiences withy Chase.

Seems they just have something against a few people.

More info: http://ficoforums.myfico.com/t5/Credit-Cards/Frustrated-with-Chase/m-p/3643081/highlight/true#M99592...

[thelethargicage]

Call in and request a CLI. A HP won't kill you.

[Anonymous]

That is crazy! Since it has been two years, I would be tempted to apply for a new Freedom card (which would almost certainly get a higher limit), get the $200 sign up bonus, and cancel the original card. Probably not the best strategy, but it would be kind of funny to do that out of spite.

[LipzyDaizy]

I've had my Freedom for a year now and still haven't received an auto cli.  I've PIF, let balances post, went close to 75% of the limit, used it minimally, tried everything...but still no love.  Stuck at $2200.  I just got the CSP for 7k though so I'm ok with it for now.  I'll take a HP for an increase when I'm ready.

[Luscher]

Ive always had better luck apping for a new card and getting a higher limit then reallocating limits