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Getting a Chase CLI w/out a HP

Valued Member

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.

Message 1 of 7
6 REPLIES
Established Contributor

Re: Getting a Chase CLI w/out a HP

seems legit =)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 2 of 7
Valued Contributor

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)
Message 3 of 7
Regular Contributor

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.

Message 4 of 7
Valued Contributor

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
Message 5 of 7
Frequent Contributor

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.

Message 6 of 7
Valued Contributor

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
Message 7 of 7