Guess I'll ask: if you're only spending 1-2K per month with them (and PIFing) what rationale do they have for extending further credit on a CL that already meets your current needs?
I think some things get confused in the conversation here sometimes, but credit isn't a right, it's a business decision, and when we're talking banks and other financial institutions, it's all about the benjamins and end of the day, not much else
Unfortunately, just because you behave responsibility with a card, doesn't mean you're making the bank any money. Every tradeline they issue has to be accounted for on their balance sheet and in their reserve calculation... and having recently extended you 25K which doesn't sound like you were using substantially, what's their incentive for issuing more rather than to some other customer who might be more profitable by however their algorithms factor it?
It's not personal. I know it's an instant gratification society, but closing a card in response to not being approved for a CLI isn't necessarily in one's best interests: if it was a good card for your expenses, I'd suggest it was worth keeping. At the time of my Amex denial on my 3rd CLI shot, my income dwarfed my limits and I'd likewise been a "good" customer (better one arguably since Amex pockets the interchange fee directly with all those swipes I made over time, CC's are such a racket on the backend I swear) but wasn't worth throwing out a useful card over... my theory anyway.
Also it's not clear if other lenders algorithms can tell whether you're on a 0% promotion or not: if they just see you carrying the debt without that piece of knowledge, that's very different potentially than a rational/smart personal finance decision if they're not aware of that... and unless it's something really wrong, the vast majority of front-line CSR's will say no to a grey area request which is just good call center technique. Again not personal, even if maybe it could've been handled better on their end but YHTBT most likely.
Edit: RIF
@Revelate wrote:Guess I'll ask: if you're only spending 1-2K per month with them (and PIFing) what rationale do they have for extending further credit on a CL that already meets your current needs?
I think some things get confused in the conversation here sometimes, but credit isn't a right, it's a business decision, and when we're talking banks and other financial institutions, it's all about the benjamins and end of the day, not much else
Unfortunately, just because you behave responsibility with a card, doesn't mean you're making the bank any money. Every tradeline they issue has to be accounted for on their balance sheet and in their reserve calculation... and having recently extended you 25K which doesn't sound like you were using substantially, what's their incentive for issuing more rather than to some other customer who might be more profitable by however their algorithms factor it?
It's not personal. I know it's an instant gratification society, but closing a card in response to not being approved for a CLI isn't necessarily in one's best interests: if it was a good card for your expenses, I'd suggest it was worth keeping. At the time of my Amex denial on my 3rd CLI shot, my income dwarfed my limits and I'd likewise been a "good" customer (better one arguably since Amex pockets the interchange fee directly with all those swipes I made over time, CC's are such a racket on the backend I swear) but wasn't worth throwing out a useful card over... my theory anyway.
Also it's not clear if other lenders algorithms can tell whether you're on a 0% promotion or not: if they just see you carrying the debt without that piece of knowledge, that's very different potentially than a rational/smart personal finance decision if they're not aware of that... and unless it's something really wrong, the vast majority of front-line CSR's will say no to a grey area request which is just good call center technique. Again not personal, even if maybe it could've been handled better on their end but YHTBT most likely.
Edit: RIF
+1 People are not entitled to a CLI for the sake of it. They see you are carrying debt and now your asking for a credit line increase when your past usage doesn't seem to indicate any need for such an increase. I'm not surprised they denied you. Chase is just making a business decision and in their view giving you more credit would be a bad decision on their part. Closing your accounts won't teach them anything. They could care less. I would only close accounts if its in your own best interest.
;
@Revelate wrote:
@jd352 wrote:Sorry they upset you but Chase has to, by law, factor in your ability to pay your card when you request a CLI. Most people "fluff" their CR's to look stellar prior to app'ing for cards to not only increase your ability to get approved but also increase your ability to score some nice limits. Therefore, most of the time people are handed out nice limits when they apply with good credit history because their debts are typically low.
It may have sounded like they were insulting you for your current CC debt, but they are really just obiding by the Credit Card Act by considering your ability to pay (even though this has not been a factor with your Chase accounts). But, it doesn't mean that it won't be in the future.‘‘A card issuer may not open any credit card account for any consumer under an open end consumer credit plan, or increase any credit limit applicable to such account, unless the card issuer considers the ability of the consumer to make the required payments under the terms of such account.’’
Hmm? Most people barely know what goes on their credit report let alone how to optimize it. Many barely are even aware such things exist other than an abstraction. Even the person I respect more than anyone else on the planet, and has been in and around the lending industry for decades, recently talked about Credit Karma as if it were some useful measurement of credit standing as far as the FICO algorithm goes... er, sorry buddy but it's not.
If you're taking the population here and at a few other places to be statistically relevant to the population as a whole, well, we don't rate in that regard
. Very small, very much an outlier group.
You're right. I shouldn't generalize the general population of the world. Many of the people on here, MyFico who are registered users actively engaging in credit card account topics, discuss about how they can optimize their reports for approvals and CLI's. 
Apparently I need to be ultra cautious with how I word things today.
This is also a double edged sword though as it provides you with tons (not in weight, but in quantity) of information to typically help you achieve steps in building a successful credit portfolio. I won't generalize again, but I will say that I am the only one of my friends and immediate family members (about 40 people) that actively engages in MyFico discussions or even cares about what my CR says and where my scores are at. Of those, most only have 1 credit card that they use sparingly which has no rewards structure. Most typically use their debit cards... with a PIN. 
That being said, this site is a great tool for those who are actively seeking to improve their credit.
I was merely saying it because OP talked about how CCC's give high limits, but then turn around a couple months later after we let our optimization slack a bit and refuse to increase CL's to comparable accounts. Amex did it with me, they claimed my utilization was too high as it was at 6.8% which isn't even on their card. But, the point is, they noticed it and wouldn't issue my CLI request. Had I been more proactive before the CLI request, I could have paid that down prior to requesting. But, it's a 0% card with the remainder of my balance tuition on it and I'm not going to pay it off just for a CLI. It comes across as contradicting because there are plenty of cards that offer 0% on purchases and BT's (including Amex), but then seem to have an issue with you actually utilizing them.
Hey young- You mentioned you do not have a mortgage. You may want to think about buying instead of renting (assuming your job is stable and you see yourself staying in your geographic area for awhile).
Your mortgage interest is 100% deductible from your federal income taxes. I don't make as much as you but after I bought my place, my tax bill went from having to pay an extra $2K in April every year to the IRS (after withholdings)...to now I receive a ~$4000 refund/year from Federal and State. It's a nice change
Since you are single with no children, this is one of the few tax shelters available (I'm in the same boat). Plus you are building equity rather than throwing money away in rent. Just my $0.02.
@jd352 wrote:
@Revelate wrote:
@jd352 wrote:Sorry they upset you but Chase has to, by law, factor in your ability to pay your card when you request a CLI. Most people "fluff" their CR's to look stellar prior to app'ing for cards to not only increase your ability to get approved but also increase your ability to score some nice limits. Therefore, most of the time people are handed out nice limits when they apply with good credit history because their debts are typically low.
It may have sounded like they were insulting you for your current CC debt, but they are really just obiding by the Credit Card Act by considering your ability to pay (even though this has not been a factor with your Chase accounts). But, it doesn't mean that it won't be in the future.‘‘A card issuer may not open any credit card account for any consumer under an open end consumer credit plan, or increase any credit limit applicable to such account, unless the card issuer considers the ability of the consumer to make the required payments under the terms of such account.’’
Hmm? Most people barely know what goes on their credit report let alone how to optimize it. Many barely are even aware such things exist other than an abstraction. Even the person I respect more than anyone else on the planet, and has been in and around the lending industry for decades, recently talked about Credit Karma as if it were some useful measurement of credit standing as far as the FICO algorithm goes... er, sorry buddy but it's not.
If you're taking the population here and at a few other places to be statistically relevant to the population as a whole, well, we don't rate in that regard
You're right. I shouldn't generalize the general population of the world. Many of the people on here, MyFico who are registered users actively engaging in credit card account topics, discuss about how they can optimize their reports for approvals and CLI's.
This is also a double edged sword though as it provides you with tons (not in weight, but in quantity) of information to typically help you achieve steps in building a successful credit portfolio. I won't generalize again, but I will say that I am the only one of my friends and immediate family members (about 40 people) that actively engages in MyFico discussions or even cares about what my CR says and where my scores are at. Of those, most only have 1 credit card that they use sparingly which has no rewards structure. Most typically use their debit cards... with a PIN.
I was merely saying it because OP talked about how CCC's give high limits, but then turn around a couple months later after we let our optimization slack a bit and refuse to increase CL's to comparable accounts. Amex did it with me, they claimed my utilization was too high as it was at 6.8% which isn't even on their card. But, the point is, they noticed it and wouldn't issue my CLI request. Had I been more proactive before the CLI request, I could have paid that down prior to requesting. But, it's a 0% card with the remainder of my balance tuition on it and I'm not going to pay it off just for a CLI. It comes across as contradicting because there are plenty of cards that offer 0% on purchases and BT's (including Amex), but then seem to have an issue with you actually utilizing them.
Actually you make a very interesting point: with all the information found here, it fundamentally changes our behavior as consumers... and that puts us in the outlier basket as we're deviant from the norms which is almost certainly more likely to trigger AA from pretty much any lender.
I've long preached that it's better to be a needle in the haystack so I try really hard to look "average" while still making use of the information on this forum to my advantage; however, it usually gets ignored (perhaps rightfully) as even for the majority of us on this forum, it really doesn't matter that much as long as our risk profile continues to fall, and we're still at the APR they deemed us profitable at when the underwriting decision was made.
On the other hand there's clear examples on the forum, and perhaps this is one of them, where there's hurdles that even our knowledge can't get over.