Re: Chase Sapphire Preferred Auto CLI?

Anonymous · ‎06-22-2015

@Anonymous wrote:
takeshi74 wrote
Answered above but there's a sticky for this:
http://ficoforums.myfico.com/t5/Credit-Cards/Closing-Credit-Cards/m-p/347190?jump=true

thank you for the information. I understand the utilization % portion, but I do have a quick question regarding closed accounts that i'm not quite sure I fully understand yet.

If I have three credit cards: card A, card B, and card C. card B is opened 5 years after card A and card C is open 2 years after card B (7 years after card A). If I closed card B, after the ten years mark, my AAoA should be the same since card A and card C are still open?

This is assuming that the AAoA takes the oldest card and the newest card to make an average in which case, losing the history of any cards in between shouldn't hurt your score. is this correct?

Closed accounts still factor into AAoA while closed. Your AAoA only changes when a new account is opened, or when a closed account stops reporting, which is usually 10 years after it was closed.

Closingracer99 · ‎06-22-2015

@sunkissed wrote:
I’ve received Chase auto-CLIs after nearly maxing out the card and paying in full. You could try to coax an increase out that way.

I had mine close to maxed out when I was going for the Bonus and my limit is $5,000 and got no cli

Did pay in full before the statement cut

My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740

sunkissed · ‎06-23-2015

@Closingracer99 wrote:
@sunkissed wrote:
I’ve received Chase auto-CLIs after nearly maxing out the card and paying in full. You could try to coax an increase out that way.
I had mine close to maxed out when I was going for the Bonus and my limit is $5,000 and got no cli

Did pay in full before the statement cut

I PIF after statement cut. I don't worry about reporting a balance with Chase if I plan to PIF because they always send an out-of-cycle update when you bring the balance down to zero.

Anonymous · ‎07-01-2015

i recently just got a CLI from chase. my card had just made 6 months and i was constantly reaching the limit and paying it off BEFORE the closing date.

Anonymous · ‎07-01-2015

Check out the other thread here -- Chase now doing double pull for CLI request.

Chase Sapphire Preferred Auto CLI?

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