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Established Contributor
calihlove75
Posts: 787
Registered: ‎05-16-2012

Two chase card cli requests- one inquiry?

I broke down and requested cli on my Chase Freedom that I recieved about two months ago. Credit limit went from $3000 to $6000. Hard pull. Then I got cocky and decided to request my Chase Amazon that is older (received in March) get a cli. That was denied ;( I have checked all three credit bureaus and only one inquiry? Did I just get lucky?:


100% Ficos: EX 762, TU 767, EQ 754 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $14,000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
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Revelate
Posts: 8,310
Registered: ‎12-30-2011

Re: Two chase card cli requests- one inquiry?


calihlove75 wrote:

I broke down and requested cli on my Chase Freedom that I recieved about two months ago. Credit limit went from $3000 to $6000. Hard pull. Then I got cocky and decided to request my Chase Amazon that is older (received in March) get a cli. That was denied ;( I have checked all three credit bureaus and only one inquiry? Did I just get lucky?:


Maybe, but it could just be that Chase has an internal limit for everyone as well and you reached that and it simply auto-denied you as a result without the actual formality of the pull.  I wouldn't read too much into this personally, others who have gotten multiple CLI's approved have reported multiple hard inquiries. 

 

Either way, 3k -> 6k on two months history with the Freedom and less than six months overall with the Amazon, that's very nice!

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Established Contributor
calihlove75
Posts: 787
Registered: ‎05-16-2012

Re: Two chase card cli requests- one inquiry?


Revelate wrote:

calihlove75 wrote:

I broke down and requested cli on my Chase Freedom that I recieved about two months ago. Credit limit went from $3000 to $6000. Hard pull. Then I got cocky and decided to request my Chase Amazon that is older (received in March) get a cli. That was denied ;( I have checked all three credit bureaus and only one inquiry? Did I just get lucky?:


Maybe, but it could just be that Chase has an internal limit for everyone as well and you reached that and it simply auto-denied you as a result without the actual formality of the pull.  I wouldn't read too much into this personally, others who have gotten multiple CLI's approved have reported multiple hard inquiries. 

 

Either way, 3k -> 6k on two months history with the Freedom and less than six months overall with the Amazon, that's very nice!


You might be onto something there because I originally called the recon department to get a feel for it and I remember him telling me that it was not necessary requesting on both cards and that if I requested on my freedom the system would attempt to approve me for the max available. Then he went onto explaining I could always consolidate what is on my Amazon to the freedom. He transfered me and I just did not listen and did both. That second one came back very quick with a denial so maybe it denied it before even looking at my credit.I think you might be right!


100% Ficos: EX 762, TU 767, EQ 754 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $14,000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050

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