How much CLI should I ask from Chase?

[Anonymous]

I decided to ask Chase for a CLI accross my 3 cards, I sent them a secure message requesting my two other cards to be increased to match my sapphire at 6k.. However, they didn't pull yet so I'm thinking if I should ask for more to get countered.

How much should I request?

Also, would you recommend me asking for the CLI on one card and then reallocating it accross the cards or should I request on all?

Income: 145k/yr

Score: Should be somewhere in low 700s due to recent inquiries.

[enharu]

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@Anonymous wrote:

I decided to ask Chase for a CLI accross my 3 cards, I sent them a secure message requesting my two other cards to match my sapphire at 6k.. However, they didn't pull yet so I'm thinking if I should ask for more to get countered.

How much should I request?

Also, would you recommend me asking for the CLI on one card and then reallocating it accross the cards or should I request on all?

Income: 145k/yr

Score: Should be somewhere in low 700s due to recent inquiries.

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just ask for as much as you want, but also within reasonable limits.

worst case scenario they'll just counter offer.

[Kostya1992]

Ask for 14k - 10% of income. Tell them you are trying to consolidate your credit portfolio and Chase has been great to you, etc.

[Anonymous]

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@enharu wrote:

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@Anonymous wrote:

I decided to ask Chase for a CLI accross my 3 cards, I sent them a secure message requesting my two other cards to match my sapphire at 6k.. However, they didn't pull yet so I'm thinking if I should ask for more to get countered.

How much should I request?

Also, would you recommend me asking for the CLI on one card and then reallocating it accross the cards or should I request on all?

Income: 145k/yr

Score: Should be somewhere in low 700s due to recent inquiries.

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just ask for as much as you want, but also within reasonable limits.

worst case scenario they'll just counter offer.

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would upping all my cards to 10k be unreasonable? 

[Anonymous]

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@kostyan1992 wrote:
Ask for 14k - 10% of income. Tell them you are trying to consolidate your credit portfolio and Chase has been great to you, etc.

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14k per card or total CLI?

[enharu]

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@Anonymous wrote:

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@enharu wrote:

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@Anonymous wrote:

I decided to ask Chase for a CLI accross my 3 cards, I sent them a secure message requesting my two other cards to match my sapphire at 6k.. However, they didn't pull yet so I'm thinking if I should ask for more to get countered.

How much should I request?

Also, would you recommend me asking for the CLI on one card and then reallocating it accross the cards or should I request on all?

Income: 145k/yr

Score: Should be somewhere in low 700s due to recent inquiries.

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just ask for as much as you want, but also within reasonable limits.

worst case scenario they'll just counter offer.

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would upping all my cards to 10k be unreasonable? 

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well, it depends on your credit history, internal score with chase, account history with chase, DTI ratio, etc.

But assuming everything is fine, I certainly don't see how asking for 10k, or even 15k, is unreasonable for someone with 145k income. If the accounts are very new, then I'll just hold off on the request and ask for a big CLI a few months or a year down the road.

Whether they will approve you or not, is another question. I don't know Chase's underwriting criterias nor your details, so I can't comment on that. But always ask for a larger amount and let them counter offer. Just don't ask for a ridiculous limit like 500k and expect them to treat you seriously. 

[lg8302ch]

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@Anonymous wrote:

I decided to ask Chase for a CLI accross my 3 cards, I sent them a secure message requesting my two other cards to be increased to match my sapphire at 6k.. However, they didn't pull yet so I'm thinking if I should ask for more to get countered.

How much should I request?

Also, would you recommend me asking for the CLI on one card and then reallocating it accross the cards or should I request on all?

Income: 145k/yr

Score: Should be somewhere in low 700s due to recent inquiries.

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How long have you had your Chase accounts? Did you app for all Chase cards at the same time or within a short period of time ?  I am asking because I am a bit surprised about the limits they gave you with this kind of income. I am only making a fraction and Chase has given me high limits on card 2 and 3 but I spaced out my 3 apps over 18 months. Ask for any amount you need... Chase has given me total CLs on these 3 cards of more than 50% of my income just as a reference

[Anonymous]

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@lg8302ch wrote:

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@Anonymous wrote:

I decided to ask Chase for a CLI accross my 3 cards, I sent them a secure message requesting my two other cards to be increased to match my sapphire at 6k.. However, they didn't pull yet so I'm thinking if I should ask for more to get countered.

How much should I request?

Also, would you recommend me asking for the CLI on one card and then reallocating it accross the cards or should I request on all?

Income: 145k/yr

Score: Should be somewhere in low 700s due to recent inquiries.

---

How long have you had your Chase accounts? Did you app for all Chase cards at the same time or within a short period of time ?  I am asking because I am a bit surprised about the limits they gave you with this kind of income. I am only making a fraction and Chase has given me high limits on card 2 and 3 but I spaced out my 3 apps over 18 months. Ask for any amount you need... Chase has given me total CLs on these 3 cards of more than 50% of my income just as a reference

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At the time I didn't have any credit cards, so I'm still rather new to credit. I just got my first cards 3 months ago lol, I apped the sapphire 2 days ago and they gave me 6k.

Anyway, I'd like to just get these upped now because I'm not planning on doing anymore apps/inqs for 2 years. I don't necessarily need the CLI but I'd like to get them since I already took hits this week. I want to have a clean and strong profile for when I apply for a loan for investment properties 2 years down the line.

[enharu]

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@Anonymous wrote:

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@lg8302ch wrote:

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@Anonymous wrote:

I decided to ask Chase for a CLI accross my 3 cards, I sent them a secure message requesting my two other cards to be increased to match my sapphire at 6k.. However, they didn't pull yet so I'm thinking if I should ask for more to get countered.

How much should I request?

Also, would you recommend me asking for the CLI on one card and then reallocating it accross the cards or should I request on all?

Income: 145k/yr

Score: Should be somewhere in low 700s due to recent inquiries.

---

How long have you had your Chase accounts? Did you app for all Chase cards at the same time or within a short period of time ?  I am asking because I am a bit surprised about the limits they gave you with this kind of income. I am only making a fraction and Chase has given me high limits on card 2 and 3 but I spaced out my 3 apps over 18 months. Ask for any amount you need... Chase has given me total CLs on these 3 cards of more than 50% of my income just as a reference

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At the time I didn't have any credit cards, so I'm still rather new to credit. I just got my first cards 3 months ago lol, I apped the sapphire 2 days ago and they gave me 6k.

Anyway, I'd like to just get these upped now because I'm not planning on doing anymore apps/inqs for 2 years. I don't necessarily need the CLI but I'd like to get them since I already took hits this week. I want to have a clean and strong profile for when I apply for a loan for investment properties 2 years down the line.

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its hard to get any sort of CLI when they just approved you for credit 2 days ago.

Not saying its impossible, but its unlikely.

[Anonymous]

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@enharu wrote:

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@Anonymous wrote:

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@lg8302ch wrote:

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@Anonymous wrote:

I decided to ask Chase for a CLI accross my 3 cards, I sent them a secure message requesting my two other cards to be increased to match my sapphire at 6k.. However, they didn't pull yet so I'm thinking if I should ask for more to get countered.

How much should I request?

Also, would you recommend me asking for the CLI on one card and then reallocating it accross the cards or should I request on all?

Income: 145k/yr

Score: Should be somewhere in low 700s due to recent inquiries.

---

How long have you had your Chase accounts? Did you app for all Chase cards at the same time or within a short period of time ?  I am asking because I am a bit surprised about the limits they gave you with this kind of income. I am only making a fraction and Chase has given me high limits on card 2 and 3 but I spaced out my 3 apps over 18 months. Ask for any amount you need... Chase has given me total CLs on these 3 cards of more than 50% of my income just as a reference

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At the time I didn't have any credit cards, so I'm still rather new to credit. I just got my first cards 3 months ago lol, I apped the sapphire 2 days ago and they gave me 6k.

Anyway, I'd like to just get these upped now because I'm not planning on doing anymore apps/inqs for 2 years. I don't necessarily need the CLI but I'd like to get them since I already took hits this week. I want to have a clean and strong profile for when I apply for a loan for investment properties 2 years down the line.

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its hard to get any sort of CLI when they just approved you for credit 2 days ago.

Not saying its impossible, but its unlikely.

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no harm in trying, will let you guys know how it goes when I find out in the morning

heh