Today marks 1 year with Sapphire (No CLI?)

[One7]

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@xerostatus wrote:

Couple potential pitfalls for advice given so far, imo:

 - "carrying" a balance I presume implies not paying in full by due date, thus accruing interest. Paying even a single cent in interest, even if guaranteed a CLI, is silly in my book. You would lose $$ just to avoid an HP?

 - Applying for a new chase card solely with the intention of transferring limit is also a little backwards; if you're willing to take an HP (for the new account), why not just request a CLI outright? Why take the AAoA hit for new tradeline only to transfer the limit over? 

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I never paid interest, I paid the card in full the next month before I ever accrued any. Yet they still gave me an increase. Of course its ymmv

[YahComb]

back in august '12 i got my chase freedom and chase sapphire at 3K and 5K. i closed the sapphire in july '13 and consolidated it into the freedom to 7.5K. Now just last month at 25 months in, chase finally sent an email for the SP request and i got approved for the full amount to 11.7K

i rarely use my freedom outside of the restaurant quarter, and when i do it's a few purchases from the rewards mall here and there.  highest balance i ever had was like $331 back in first couple months when i was trying to get the signup bonus.

[takeshi74]

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@Anarchy wrote:

Today marks 1 year with Sapphire  (No CLI?)

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Regardless of creditor CLI's aren't guaranteed with time.  Your credit has to support a CLI.  That said, Chase isn't known for being CLI friendly in general though some have received auto CLI's (like my wife).  As indicated above, some have found that Chase is more generous with new limits than CLI's on existing cards.

You can certainly request a CLI with an HP.  Despite the flawed assumptions of causality posted above there is no need to carry a balance for a CLI.