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Got a Chase CLI - RECON WORKS

Established Contributor

Got a Chase CLI - RECON WORKS

So I went ahead and requested a CLI from 4K to 10K on my Chase Freedom...considering all my other cards are 11K+. They only approved me for 5.8K. Should I take it and run? Or call and try to get more? Is their a "preferred back door number to try"? I know we are under a "credit crunch," but considering my other cards, strong FICO score, solid payment history over the past 4 yrs with CHASE, and never getting a CLI, I'm disappointed...especially since it cost me a hard inq...

Message Edited by pjriverap on 03-27-2008 07:28 AM
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Time to clean house and get rid of CCs from bad CCCs. Opt'd Out and Paying off the Balance: BofA. Closed: Chase Freedom. Keeping: Amex Blue, Amex Costco Cash back, Citi Forward, USAA MC, USAA Amex, and PenFed Platinum Cash Back. Next up for review: Chase Sapphire...
Message 1 of 13
12 REPLIES
Moderator Emerita

Re: Got a Chase CLI - A Small One

I'd call--you've already taken the hard inq hit.

FWIW, when I asked for a CLI on my BofA the other day, the first guy couldn't do it and passed me on to a credit specialist who approved it ($10K --> $15K). Maybe the online request is the equivalent of the frontline people, and you need to get to someone with some more decision-making ability. Good luck--I think it's worth a try.

(Did you stay up until 2:30 this morning to check? wow! Smiley Very Happy )

Message Edited by haulingthescoreup on 03-27-2008 03:56 AM
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 2 of 13
Established Contributor

Re: Got a Chase CLI - A Small One

RECON works!!! I got a CLI of 11K...my new CL is now 15K!!!

Thanks for the support hauling et al!
__________________________________________________
Time to clean house and get rid of CCs from bad CCCs. Opt'd Out and Paying off the Balance: BofA. Closed: Chase Freedom. Keeping: Amex Blue, Amex Costco Cash back, Citi Forward, USAA MC, USAA Amex, and PenFed Platinum Cash Back. Next up for review: Chase Sapphire...
Message 3 of 13
Senior Contributor

Re: Got a Chase CLI - A Small One

That is fantastic pj! Super congrats. A prime card, prime bank, and prime cl! Smiley Happy
"Never ever, ever be late. Never" (FUTR)
Message 4 of 13
Senior Contributor

Re: Got a Chase CLI - RECON WORKS

When the credit department called me to verify my info they offered 7k and I was able to talk them into 10k. However, if this was an instant online approval I'm pretty sure I would have been stuck at 7k. So, YMMV I guess is the appropriate answer.
Here we go again...
Message 5 of 13
Established Contributor

Re: Got a Chase CLI - RECON WORKS

forgive my ignorance - "YMMV"?
__________________________________________________
Time to clean house and get rid of CCs from bad CCCs. Opt'd Out and Paying off the Balance: BofA. Closed: Chase Freedom. Keeping: Amex Blue, Amex Costco Cash back, Citi Forward, USAA MC, USAA Amex, and PenFed Platinum Cash Back. Next up for review: Chase Sapphire...
Message 6 of 13
Senior Contributor

Re: Got a Chase CLI - RECON WORKS

YMMV = your miles may vary meaning it's different for all of us
"Never ever, ever be late. Never" (FUTR)
Message 7 of 13
Established Contributor

Re: Got a Chase CLI - RECON WORKS

YMMV=your mileage may vary
I would really like to purchase a new Millineum Falcon with my WAMU (oops Chase card)!!!! But first I need a decent credit limit.
Message 8 of 13
Senior Contributor

Re: Got a Chase CLI - RECON WORKS

Your Mileage May Vary.
Here we go again...
Message 9 of 13
Established Contributor

Re: Got a Chase CLI - RECON WORKS

ohhh - thanks all!
__________________________________________________
Time to clean house and get rid of CCs from bad CCCs. Opt'd Out and Paying off the Balance: BofA. Closed: Chase Freedom. Keeping: Amex Blue, Amex Costco Cash back, Citi Forward, USAA MC, USAA Amex, and PenFed Platinum Cash Back. Next up for review: Chase Sapphire...
Message 10 of 13