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Regular Contributor
pastnow123
Posts: 124
Registered: ‎09-27-2011
0

Request CLI at approval

Just did a mini app spree: chase united, AMX BCE and Discover IT. All approved with chase giving a cl of 17K. I want to check with you what's your past history to get a CLI at the point of approval, what's the chance, and is any soft pull or hard pull needed?

 

Senior Contributor
BungalowMo
Posts: 4,236
Registered: ‎05-01-2008
0

Re: Request CLI at approval

I would never ask for an increase at the time of approval.  I suggest waiting at least 6 mos to 1 year.  Especially if you are considering asking for CLI with Chase, who just gave you 17k.  I think they would consider that request highly irregular, if not suspicious!

 

The only time I asked for CLI shortly after getting the card was with Lowes.  They gave me a 4k limit & I called & told them I need new appliances & 4k would not cover it.  I didn't think that was too much to ask, considering the type of store they are, and the limit they gave me.  They approved me immediately for 20k.



Starting Score: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

Bury me in the garden...last app 06.18.14

Contributor
teddybearkelli1
Posts: 109
Registered: ‎11-06-2012
0

Re: Request CLI at approval

+1

FICO scores: 790 (EQ) 786 (EX) 796 (TU) |
My Wallet:NFCU CR Visa 24k, AMEX Delta Gd 20k, Walmart Discvr 12k, USAA Plat RA MC 13k, BECU Visa 10k, NFCU NR MC 5k, Sams Discvr 10k, Sportsmans Visa 10k, WF Plat Visa 10k, Paypal Extra MC 10k, BofA Fraternity MC 10k, Sams Credit 10k, USAA World MC 9k, Military Star 8.2k |BOA CR 8k |AMEX Evrdy 8k |Lowes 7.3k | Chase Military Star MC 6k, JCPenneys 5k, Discover IT 5k , Gymboree Visa 4.5k, Sears MC 4k, TJX MC 3.5k, ToysRUS Card 3.5k, Chase Amazon Visa 3k, Home Depot 3k, Citibank Simplicity 4.5k, Amazon Store 2.5k, Fred Meyers Visa 2.5k, Target 2k, Kohls 2k, ITunes Visa 2k, Macys 2k, Barclays Visa 1.7k, Vystar CU Visa 1.5k
Frequent Contributor
obageegee
Posts: 270
Registered: ‎09-30-2012
0

Re: Request CLI at approval

I apped for Home Depot and Lowes at the same time. I got a $500 CL on both. I called them back and said I needed $1500 for a new shed, hoping to get one of the two. They both approved me.



Starting Score: 530 - 2/12
Current Score: EX - 720 EQ - 714 TU-690 WM-720
App free since 5/7/2014
Regular Contributor
pastnow123
Posts: 124
Registered: ‎09-27-2011
0

Re: Request CLI at approval


BungalowMo wrote:

I would never ask for an increase at the time of approval.  I suggest waiting at least 6 mos to 1 year.  Especially if you are considering asking for CLI with Chase, who just gave you 17k.  I think they would consider that request highly irregular, if not suspicious!

 

The only time I asked for CLI shortly after getting the card was with Lowes.  They gave me a 4k limit & I called & told them I need new appliances & 4k would not cover it.  I didn't think that was too much to ask, considering the type of store they are, and the limit they gave me.  They approved me immediately for 20k.


Agree. that makes a lot of sense. we may not give too much thinking when requesting cl, but it may raise red flag to cc company and insted lead to unexpected result

Established Member
BreakingBad_Credit
Posts: 16
Registered: ‎03-11-2013
0

Re: Request CLI at approval

I requested a CLI at the time of ACTIVATION.  Called in chase to activate my Freedom, and requsted that they increase my limits as my CL with Chase was my lowest limit.  The request triggered a HP, although the request was granted.  However, the increase was only from 1k to 1.3k.  I wouldn't have OKed the HP if I would have thought it was only going to lead to a $300 increase.  My 2nd lowest limit is Discover with 5K CL.

Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013
0

Re: Request CLI at approval

Chase and Citi are pretty much always HP

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Valued Contributor
Epcot
Posts: 2,784
Registered: ‎10-10-2012
0

Re: Request CLI at approval

I applied for the Chase Disney visa last november and got approved. Picked up my card later that same day at Downtown Disney and saw my CL, I immediately called to activate it and asked for an increase of a couple thousand. They used the same HP (same day) and approved the increase.

Granted it I had waited some time it may have resulted in a second HP.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13

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