Reply
Regular Contributor
Posts: 173
Registered: ‎06-28-2012
0

When should i ask for CLI on Freedom?

When is a good time to ask for a CLI on my Chase Freedom Visa?? Should i wait until after my 3x CLI on my AMEX? or after 6 months? 1 year? At what point did you guys get a CLI on a Freedom card??

Thanks in advance!

EQ FICO - 725 (9/11/13) TU FICO - 724 (6/27/13) EX FICO (6/30/13) 755 AMEX
Im my wallet - Cap1 Platinum MC(2000) Chase Freedom(1500) AMEX BCE (7000) Discover IT (8000) CSP (15000) Cal Coast CU (8000)
Valued Contributor
Posts: 1,346
Registered: ‎04-15-2011
0

Re: When should i ask for CLI on Freedom?

 

I'd say after you get what you can from the AMEX CLI request and it shows on your reports.  Being Chase will be an HP no matter what they say regarding the CLI request.  If you get the 3x with AMEX, once it shows, it will help Chase feel more comfortable with giving you a higher limit.    Also, 6 months (statements) with Chase might increase your chances at a better CLI as well. 

Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: When should i ask for CLI on Freedom?

+1

Established Contributor
Posts: 760
Registered: ‎02-11-2012
0

Re: When should i ask for CLI on Freedom?

In addition to high usage, Chase likes to see payment history. All clis with them are hard pulls, so you want to be sure your reports are as clean as possible. Good luck.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
Contributor
Posts: 322
Registered: ‎10-19-2012
0

Re: When should i ask for CLI on Freedom?


tylaw13 wrote:

When is a good time to ask for a CLI on my Chase Freedom Visa?? Should i wait until after my 3x CLI on my AMEX? or after 6 months? 1 year? At what point did you guys get a CLI on a Freedom card??

Thanks in advance!


After 6 months and keep in mind in most cases it will be a hard inquiry. 

 

Before you ask you should check out this post

 

http://ficoforums.myfico.com/t5/Credit-Cards/Chase-CLI-Soft-Pull/td-p/1404894

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.