Credit Card Center Advertiser Disclosure

Valued Member
Posts: 50
Registered: ‎10-15-2010
0 Kudos

Getting a Chase CLI w/out a HP

For those looking to get a CLI from Chase while avoiding a HP, I think I may have found a strategy that 'could' work under the right circumstances.  I've had a CSP for just under a year.  I tend to use the card for virtually all purchases other than gas/grocery, and I PIF every month before my statement closes.  Because I run a significant amount of expenses through the card each month, I do want my limit as high as possible even though my current limit is not prohibitive.  


Anyway, I called the CSP number on the back of my card to see if I was eligible for a CLI w/out a hard pull, and the CS rep (not surprisingly) said that any CLI requests require a hard pull.  The rep did mention, however, that Chase will typically do an account review every 6 months to 1 year and will occasionally grant an automatic increase.  I told the rep that I did not want a hard pull and ended the conversation.  Fast forward to this morning, I logged onto the card site and was surprised to notice my line had increased by $3.5K.  There are no hard pulls on any of my reports.  


I'm assuming that my call to customer service spurred a quick review by Chase, and I got luck with a CLI.  I thought this might be a good stratey for anyone looking to get a CLI w/out taking a HP hit.

Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0 Kudos

Re: Getting a Chase CLI w/out a HP

seems legit =)

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
Posts: 1,989
Registered: ‎06-25-2012
0 Kudos

Re: Getting a Chase CLI w/out a HP

I did the same...kinda. sent then a message complaining about my low limit. 3 days later i signed in to make a payment and saw a 500cli Smiley Happy
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Regular Contributor
Posts: 246
Registered: ‎01-25-2008
0 Kudos

Re: Getting a Chase CLI w/out a HP

Don't ask them for CLI.. I find if I use my card normal use every month I get automatic cli's from Chase. I just got one today for $1000.00 didn't even ask for it.  I woke up and it was already added to my CL. This saves me from racking up inqs.

Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
0 Kudos

Re: Getting a Chase CLI w/out a HP

i asked for a CLI last month never got it but i also never got a HP either. 

In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Frequent Contributor
Posts: 443
Registered: ‎03-19-2010
0 Kudos

Re: Getting a Chase CLI w/out a HP

They gave me a increase of $500 just randomly a few days ago. Good to know my good usage and PIF monthly do get noticed.

Valued Contributor
Posts: 2,802
Registered: ‎10-10-2012
0 Kudos

Re: Getting a Chase CLI w/out a HP

Been stuck at the same CL since 2007 on my Slate. Oh well. I do plan on apping for the Disney card sometime soon and hope for a strong starting CL. I am working down my util for this app.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.