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Established Contributor
Posts: 710
Registered: ‎06-01-2012
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chase online CLI request

ok, I can't find the thread, but I KNOW I read someone state that they asked chase about a CLI via the secure message, then chase asked for income, desired limit, etc. but then they refused saying they didnt want a HP.  Person logs in a few days later and notices an auto CLI was given w/o HP.

 

Has anyone else had success like this? I just sent chase an online message asking when CLIs would occur and mentioned how frustrating it was pushing several payments through each month and not being able to fully utilize the card. They responded just like the above, and I declined about 5 mins ago. Hoping for a similiar situation haha Smiley Happy

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
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Re: chase online CLI request

Hahaha that was me! I only got a 500 cli tho. Good luck
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Frequent Contributor
Posts: 411
Registered: ‎05-01-2010
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Re: chase online CLI request

Even when asking via the Chase online messages, they told me that it would be a definate hard pull! I don't think it's worth trying from Chase unless you're willing to take the chance of getting a HP.

Established Contributor
Posts: 710
Registered: ‎06-01-2012
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Re: chase online CLI request


jsickz32 wrote:
Hahaha that was me! I only got a 500 cli tho. Good luck

I would love to get it up that much. Just to make it easier for monthly spending. 2k would be ideal but anything is better than $500 CL lol crossing my fingers.

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
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Re: chase online CLI request

I also started at 500. When i sent them the message i was at 3 months.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Contributor
Posts: 710
Registered: ‎06-01-2012
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Re: chase online CLI request


jsickz32 wrote:
I also started at 500. When i sent them the message i was at 3 months.

Nice, my 4th statement will cut in 2 days, so hopefully they'll help me out a bit!

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
Established Contributor
Posts: 912
Registered: ‎06-14-2012
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Re: chase online CLI request

I was in the same situation with Chase. got my freedom in June 2012 and got stuck with a paltry 600 CL. I tried contacting the EO and all different kind of credit analyst's, but they were Hell bent on doing a HP so by the first of December I finally caved and let them do it. it was Def worth it in my situation because I went from that 600 to 5000, almost a 10x CLI! Chase had been great so far, they're only flaw is being Hell bent on HP cli's.


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Established Contributor
Posts: 803
Registered: ‎05-16-2012
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Re: chase online CLI request


jcstarkey8826 wrote:

ok, I can't find the thread, but I KNOW I read someone state that they asked chase about a CLI via the secure message, then chase asked for income, desired limit, etc. but then they refused saying they didnt want a HP.  Person logs in a few days later and notices an auto CLI was given w/o HP.

 

Has anyone else had success like this? I just sent chase an online message asking when CLIs would occur and mentioned how frustrating it was pushing several payments through each month and not being able to fully utilize the card. They responded just like the above, and I declined about 5 mins ago. Hoping for a similiar situation haha Smiley Happy


I have tried that twice with my Freedom, did not work. Funny thing I get regular small auto increases on my Chase Amazon that I never ask for. If you really want an increase just take the hard and than call the backdoor. Two months into having the card, I did take the inquiry had my limit doubled...no backdoor necessary.

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $19,400~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Senior Contributor
Posts: 4,694
Registered: ‎02-23-2011
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Re: chase online CLI request

Several observations from my own experience and reading of others regarding Chase and CLs.

 

1.  CLs are always HPs (there may be exceptions, but SPs are very rare and definitely contrary to their standard practice).

 

2.  Never lower a CL from Chase - when lowered from one's own volition, Chase assumes cardholder doesn't need the credit and will take considerable time to raise again once the system has been reset.

 

3.  When consolidating CLs, unless there has been *no* activity for 30 days--either charges or payments--$500 minimum must stay with the card whose CL is being moved.

 

So, with Chase, never lower a CL and always assume a HP for CLI.

 

Established Contributor
Posts: 710
Registered: ‎06-01-2012
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Re: chase online CLI request


Open123 wrote:

Several observations from my own experience and reading of others regarding Chase and CLs.

 

1.  CLs are always HPs (there may be exceptions, but SPs are very rare and definitely contrary to their standard practice).

 

2.  Never lower a CL from Chase - when lowered from one's own volition, Chase assumes cardholder doesn't need the credit and will take considerable time to raise again once the system has been reset.

 

3.  When consolidating CLs, unless there has been *no* activity for 30 days--either charges or payments--$500 minimum must stay with the card whose CL is being moved.

 

So, with Chase, never lower a CL and always assume a HP for CLI.

 


I know it will always be a hard pull Smiley Sad that is why I declined them to proceed with the request. I had to recon just to get the card, so I dont feel confident taking the HP just yet. Im just now reaching one year with my charter one card, and only have 7 years of student loan payments reporting. So they wont have much revolver information to go off of. Just figured I'd give it a shot and see when I saw Jsick had some success!

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
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