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

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

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: 1,987
Registered: ‎06-25-2012

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 :smileyhappy:
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

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

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: 436
Registered: ‎03-19-2010

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: 2,789
Registered: ‎10-10-2012

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 816 EX 780 TU 823
App free since 4/11/13

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+