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Regular Contributor
Posts: 201
Registered: ‎01-21-2012
0

UPDATE: Chase CLI

[ Edited ]

Can you recon for a higher CLI with Chase Freedom and what grounds would be successful? (I've never reconned before).

How long before you can ask for a CLI?

BofA Cash Rewards Signature Visa 5k
Chase Freedom 9k
BBRZ MC 800 (SD)
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: Chase CLI

I think they do another HP with recons but not sure.  I know their CLI are HP's.  I just got the Freedom card and I'm also interested in how the CLI increases and suggested frequency of requesting them should work.

 

I was planning on requesting one after refi (9 months).

 

For recons, I think it depends on why they gave you a lower CL.  Whats on your report? How is your income? Be prepared to address any negatives.  I had to recon Freedom for approval and my main negative was my cap1 auto loan.  I had a full history of my consecutive payments to them since August last year printed out and next to me when I called.  So when she said my last late with them was March I counter with the dates and amounts of my payments and said I was currently disputing the account with Cap1 directly as I didnt want to formally dispute the item.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Chase CLI

When you say recon did you recently get approved for this card?



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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Valued Contributor
Posts: 1,408
Registered: ‎07-12-2011
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Re: Chase CLI

Immediately after approval, call to recon the limit if you want or need more.  I just recently helped one of my managers with his credit card choices.  He wanted to move his debt to a 0% interest card.  I recommended Chase Freedom.  He got the instant approval but not enough to cover the entire transfer and leave a little utility room.  I had him call the backdoor number immediately and they put in a few numbers then viola- instant 4K increase to the approval.  YMMV but the worst that can happen is "NO CLi".  No HP btw.


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

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Regular Contributor
Posts: 201
Registered: ‎01-21-2012
0

Re: Chase CLI

EX is now reporting an updated CL. 

 

 

Dear TU, 

 

Could you please stop being so stubborn and start reporting my $5k credit limit so that Chase will like me more?

 

Sincerely,

 

Chasing Freedom

BofA Cash Rewards Signature Visa 5k
Chase Freedom 9k
BBRZ MC 800 (SD)
Regular Contributor
Posts: 201
Registered: ‎01-21-2012
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Re: Chase CLI

I could wait any longer. I did it. I applied online.

 

Instant approval: $5k Smiley Very Happy

 

Ahhh....

 

Now to do the garden for a very long time....

 

 

BofA Cash Rewards Signature Visa 5k
Chase Freedom 9k
BBRZ MC 800 (SD)
Established Contributor
Posts: 657
Registered: ‎06-27-2012
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Re: UPDATE: Chase CLI

congrats, cli's with chase are indeed HP's.

 

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