Thoughts about Chase Auto CLI

[bigbang91]

I dont know, i opened an United as well,2weeks prior to freedom lol.Total Chase CLI 14k. Hope that wouldnt be too much

[Shock_]

10.5k on Chase United? Thats pretty good..IDK if an autoCLI is in place..but youd definitely get a CLI for a HP after the 6 month to a year mark.

[tornadoguy]

Well Shock_ I'm hoping as well at 4 months. Have the same limit as you, statement cuts tonight (higher balance than intended but I PIF anyway). >8k spent on the card since July, and hoping that its enough to raise Chase's eyebrows and get the auto (66 payments in that period is getting a touch ridiculous). Will see what happens when I PIF for this month tomorrow - whether it confirms my above theory or not. Looking forward to Jan when I can get past this one little card situation.

[Shock_]

Good luck....66 payments in 4 months is INSANE. But if they do give you an autoCLI...I'd expect anywhere from 300-500. Small but on your way.

[drkaje]

Chase Freedom has some formula we'll never fully understand, LOL!

If I were guessing: People who get CLIs have a profitable spending/payment pattern. Meaning, transaction fees and interest offset rewards.

My freedom is 2+ years old with no love. They're not getting an HP for CLI under any circumstances.

[Shock_]

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@drkaje wrote:

Chase Freedom has some formula we'll never fully understand, LOL!

If I were guessing: People who get CLIs have a profitable spending/payment pattern. Meaning, transaction fees and interest offset rewards.

My freedom is 2+ years old with no love. They're not getting an HP for CLI under any circumstances.

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Sometimes biting the bullet and eating the HP is required to get the limit you want..and what does an inquiry matter if you wont be apping for other cards, auto loans or home loans...

[MACFRME]

Opened my Freedom Siggy @ $7k last month. I have already had the CSP @ $10k for 2 months, but I wanted to do the combo for maximum travel rewards. I have been using the CSP a lot that my new Freedom is just a bit neglected, but I hope to turn that around this month after the first statement cuts. I have probably spent $4k on the CSP in two months, mostly on small dining purchases. Hopefully a CLI at the 4th statement?

[drkaje]

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@Shock_ wrote:

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@drkaje wrote:

Chase Freedom has some formula we'll never fully understand, LOL!

If I were guessing: People who get CLIs have a profitable spending/payment pattern. Meaning, transaction fees and interest offset rewards.

My freedom is 2+ years old with no love. They're not getting an HP for CLI under any circumstances.

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Sometimes biting the bullet and eating the HP is required to get the limit you want..and what does an inquiry matter if you wont be apping for other cards, auto loans or home loans...

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It just feels icky, LOL!

With an average age of account over 10 years, there's no downside to opening a new card. There just isn't anything out there that floats my boat.

When/if a product that really suits my needs comes up, having fewer HPs will be a good thing.

[CreditScholar]

I think people (in general) need to lower their expectations regarding Chase auto-CLIs. In the grand scheme of things, they're not that common of an event. Yes people get them, but it shouldn't be an expection or something to be "gamed".

Just use your card normally and you'll eventually find out whether or not it's "good enough" for an auto-CLI. However if you want it that much, ask and be prepared to take a HP.

In many ways it reminds me of when people want a room upgrade when checking in. If having more space or lounge access is that important to you, you should be prepared to pay for a suite or a club room. I see people get really upset when they don't get an upgrade after flirting, schmoozing, saying it's your birthday, pulling a DYKWIA, etc. It's actually quite pathetic to watch.

This is the credit version of that. You can try and game the system for an auto-CLI, but the best way to get a CLI is to ask specifically for what you want (and paying the appropriate price).

[FinStar]

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@CreditScholar wrote:

I think people (in general) need to lower their expectations regarding Chase auto-CLIs. In the grand scheme of things, they're not that common of an event. Yes people get them, but it shouldn't be an expection or something to be "gamed".

Just use your card normally and you'll eventually find out whether or not it's "good enough" for an auto-CLI. However if you want it that much, ask and be prepared to take a HP.

In many ways it reminds me of when people want a room upgrade when checking in. If having more space or lounge access is that important to you, you should be prepared to pay for a suite or a club room. I see people get really upset when they don't get an upgrade after flirting, schmoozing, saying it's your birthday, pulling a DYKWIA, etc. It's actually quite pathetic to watch.

This is the credit version of that. You can try and game the system for an auto-CLI, but the best way to get a CLI is to ask specifically for what you want (and paying the appropriate price).

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+1000