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Regular Contributor
Posts: 245
Registered: ‎12-27-2012
0

Need Freedom CLI

Hey All,

 

I have chase freedom which has a low line of credit at $1000. 

I have Chase United Explorer card with a line of credit at $5000

I have Chase Auto Loan with good standing, $10k to pay within next 3 years.

 

I would really love a CLI on my freedom card. Any suggestion?

 

Thanks!

-code

~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board.
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Need Freedom CLI

Chase HP's for CLI's. it's rare but not unheard of getting an auto CLI. How long have you had your freedom?
Regular Contributor
Posts: 245
Registered: ‎12-27-2012
0

Re: Need Freedom CLI


09Lexie wrote:
Chase HP's for CLI's. it's rare but not unheard of getting an auto CLI. How long have you had your freedom?

09Lexis: it has been just 3 months since I've had the freedom. I have been paying in full before the statement cuts.

~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board.
Valued Contributor
Posts: 1,424
Registered: ‎09-14-2012
0

Re: Need Freedom CLI

My Freedom was opened a year ago.  $2500 limit.  6 mos received CLI to $3000, then at 9 mos to $3700.  In order to go higher I had to take a HP this AM to $10k.

Never take credit personally

Amex Business Platinum; Amex BCP $24,900; Chase Sapphire Preferred $24,200; Chase Marriott $20,000; Discover It $15,500; Chase Ink Cash $2,600; Chase Slate $10,900; Citi TYP $12,900; Capital One Venture $15,000; Amex SPG Biz $3,000; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $8,000; Care Credit $6,000; Penfed Platinum Sig $5,000; Barclay Arrival Plus WEMC $15,000; Barclays Hawaiian Air Biz $20,000; US Bank PLOC Overdraft $1,500; US Bank Edge Rewards Business $10,000; PenFed PLOC $20,000

Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
0

Re: Need Freedom CLI

If you really need a CLI, just ask for one. It's going to be a HP.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Regular Contributor
Posts: 245
Registered: ‎12-27-2012
0

Re: Need Freedom CLI


sccredit wrote:

My Freedom was opened a year ago.  $2500 limit.  6 mos received CLI to $3000, then at 9 mos to $3700.  In order to go higher I had to take a HP this AM to $10k.


sccredit: i did see that...congrats on the huge CLI. You have a checking a/c with them as well and that may have played a role there. 10k is an awesome limit with a widely known lender like chase.

you think i should wait at least 3 more months to anticipate an automatic CLI?

~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board.
Regular Contributor
Posts: 245
Registered: ‎12-27-2012
0

Re: Need Freedom CLI


enharu wrote:
If you really need a CLI, just ask for one. It's going to be a HP.

enharu: i really don't need it but just that my freedom is kinda like a SD, I wanna change that.

~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board.
Valued Contributor
Posts: 1,424
Registered: ‎09-14-2012
0

Re: Need Freedom CLI

To clarify I do not have a checking account with Chase.  

 

You can call and ask but it will be a HP.  They may tell you that they want to see you have more time with the $5k limit before they'll jump Freedom though.  

Never take credit personally

Amex Business Platinum; Amex BCP $24,900; Chase Sapphire Preferred $24,200; Chase Marriott $20,000; Discover It $15,500; Chase Ink Cash $2,600; Chase Slate $10,900; Citi TYP $12,900; Capital One Venture $15,000; Amex SPG Biz $3,000; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $8,000; Care Credit $6,000; Penfed Platinum Sig $5,000; Barclay Arrival Plus WEMC $15,000; Barclays Hawaiian Air Biz $20,000; US Bank PLOC Overdraft $1,500; US Bank Edge Rewards Business $10,000; PenFed PLOC $20,000

Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
0

Re: Need Freedom CLI

Chase does emphasize quite a bit on usage, so if you haven't been using the card, the chances of you getting a significant, or any CLI at all, is going to be slimmer.

Is there a reason why you are not using the cards? Since you have the card for only 3 months and have been barely using it, I wouldn't recommend you waste the inquiry for now.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Regular Contributor
Posts: 245
Registered: ‎12-27-2012
0

Re: Need Freedom CLI

To clarify: I haven't Shock DrawerED it yet. But the fact that it is at 1k may draw a shocking attentions from other lenders...sorry I think I made you all misinterpret with SD.

I've been using the freedom regularly, a whole lot actually for the 5% off on gas.

~ 100k in Rev CC. 15k Credit Line. 16.5k Car Loan(@1.7%) Starting scores: 690 EQ (Dec 2012) Mid-year FICO scores April ‘13 Pulled by lenders(Barclays, Amex): TU 747 • EQ 752 • EX 746 • Scores As of Nov 2013: 740 and above across the board.

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