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Valued Contributor
kevinjjc
Posts: 1,375
Registered: ‎01-14-2009
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Re: Credit Cards that are generous/lenient with CLI's(no HP's)?


MovingForward_2012 wrote:
How is Chase on their increases?

Customer initiated CLI's are HP's, unless you escalate to the Chase executive office YMMV. They also do random auto CLI's.

Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012
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Re: Credit Cards that are generous/lenient with CLI's(no HP's)?

Okay thanks. Are the auto increase pretty generous? I'm wondering how often (on average) Chase does auto increases.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: Credit Cards that are generous/lenient with CLI's(no HP's)?

[ Edited ]

G.E : every 4 months CLI request soft pull.

Amex : 3x after 60 days approval. 6 months after that. 1k-->61 days ---> 3k. 8 months mark : 9k. 6 more months 9 * 3 = 27k.
( Generous enough ?? :smileyvery-happy: )


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
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Re: Credit Cards that are generous/lenient with CLI's(no HP's)?


MovingForward_2012 wrote:
Okay thanks. Are the auto increase pretty generous? I'm wondering how often (on average) Chase does auto increases.

ive had my freedom since july and have put about 3k through it and the auto cli from 500 to 1k right after my 5th statement. 

but as stated any customer intiated cli is a hard pull. 

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012
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Re: Credit Cards that are generous/lenient with CLI's(no HP's)?

What about US Bank and PenFed cards?

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Valued Contributor
visorboy1974
Posts: 1,132
Registered: ‎05-17-2010
0

Re: Credit Cards that are generous/lenient with CLI's(no HP's)?

Nordstrom has grown from $4K to $12K in the past year and a half for me.  Mostly soft pulls.  

 

Macy's is soft pull for their store card.  I've gone from $100 to over $4K.  All softs 

Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: Credit Cards that are generous/lenient with CLI's(no HP's)?

Not always soft, but NFCU and USAA. I've also seen high CLs from DCU, but again don't know if CLIs are hard of soft. 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Valued Contributor
kevinjjc
Posts: 1,375
Registered: ‎01-14-2009
0

Re: Credit Cards that are generous/lenient with CLI's(no HP's)?

[ Edited ]

WarJar101 wrote:

What about US Bank and PenFed cards?


PenFed can be very generous. The CLI's are soft pulls via quarterly preapprovals.

 

Just as a data point, I have 2 PenFed credit cards with credit limits totaling 50,000. They started off at 15,000 each, increased via soft pulls.

Valued Contributor
bs6054
Posts: 1,673
Registered: ‎11-11-2012
0

Re: Credit Cards that are generous/lenient with CLI's(no HP's)?


nicholasyud wrote:

G.E : every 4 months CLI request soft pull.

Amex : 3x after 60 days approval. 6 months after that. 1k-->61 days ---> 3k. 8 months mark : 9k. 6 more months 9 * 3 = 27k.
( Generous enough ?? :smileyvery-happy: )


Is the Amex example real (i.e. your experience)?  There have been questions about whether the CLI goes from under 25K to over 25K without more documentation.


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