topic Re: Chase CLIs.... in Credit Card Approvals

Chase CLIs....

afbar1114 — Sun, 03 Feb 2013 12:11:50 GMT

I know chase CLIs are HPs but since I have three and wanted CLIs on all of them how would I go about doing that in six months?

Re: Chase CLIs....

wreith — Sun, 03 Feb 2013 15:46:06 GMT

@afbar1114 wrote:
I know chase CLIs are HPs but since I have three and wanted CLIs on all of them how would I go about doing that in six months?

You might get an auto CLI at 6 months I did, I went from $800 to $1100. Hopefully you will get the same niceness from Chase.

Re: Chase CLIs....

Anonymous — Sun, 03 Feb 2013 15:51:09 GMT

The only auto I got from Chase was on the JPM Select. I made a few big purchases and a couple of big payments subsequently. I don't even think it was 6 months old (the card I mean) and went from 7K to 18K unrequested. Means very little because it is a hidden trade line, but if I wanted to reallocate CLs later, it would be helpful.

Re: Chase CLIs....

afbar1114 — Sun, 03 Feb 2013 16:05:02 GMT

I have CSP and united both at $5,000 and freedom at $1,500

Re: Chase CLIs....

Anonymous — Sun, 03 Feb 2013 16:11:17 GMT

@afbar1114 wrote:
I have CSP and united both at $5,000 and freedom at $1,500

Freedom Visa Signature: $6500 (September or October 2011)

Slate Visa: $7000 (Same as Freedom)

JPM Select Visa Signature: $18,000 (April or May of 2012)

Marriott Premier Visa Signature: $20,000

I use the Freedom the most and never an auto. I just got (December 2012) the Marriott and put about $1300 through it and paid to zero. No auto.

Re: Chase CLIs....

Anonymous — Sun, 03 Feb 2013 16:14:32 GMT

What CLI amount would be worth a HP, considering how long you've had their products?

Re: Chase CLIs....

Anonymous — Sun, 03 Feb 2013 16:16:56 GMT

@Anonymous wrote:
What CLI amount would be worth a HP, considering how long you've had their products?

Yeah, a dice roll at best. You never know what any lender is going to come back with in terms of increases. Jump the gun too early and that HP might only be worth a few hundred bucks.

Re: Chase CLIs....

navigatethis12 — Sun, 03 Feb 2013 16:17:28 GMT

Chase is not always the best with giving credit limit increases, as you experienced when you tried to get one for the Freedom card. You may likely end up with three hard inquiries and barely any incresaes, if at all. They will not use the same inquiry for different cards, unless you get a nice analyst.

Re: Chase CLIs....

Anonymous — Sun, 03 Feb 2013 16:35:02 GMT

I know everyone loves big limits but considering how much he's app'd in the last two years (I've been reading posts here) and the amount of time with Chase, they may feel it's too much too soon. Worse yet, they may think needing so much and closing accounts is a red flag.

You never know what odd factors are used in algorithms to extend credit. Amex denied a CLI with a better overall credit/debt profile than when they approved me, LOL!

Re: Chase CLIs....

afbar1114 — Sun, 03 Feb 2013 18:08:31 GMT

@Anonymous wrote:
The only auto I got from Chase was on the JPM Select. I made a few big purchases and a couple of big payments subsequently. I don't even think it was 6 months old (the card I mean) and went from 7K to 18K unrequested. Means very little because it is a hidden trade line, but if I wanted to reallocate CLs later, it would be helpful.

What do you mean by hidden credit line?

Re: Chase CLIs....

Anonymous — Sun, 03 Feb 2013 18:11:27 GMT

@afbar1114 wrote:
@Anonymous wrote:
The only auto I got from Chase was on the JPM Select. I made a few big purchases and a couple of big payments subsequently. I don't even think it was 6 months old (the card I mean) and went from 7K to 18K unrequested. Means very little because it is a hidden trade line, but if I wanted to reallocate CLs later, it would be helpful.
What do you mean by hidden credit line?

The JPM Select card doesn't report to the CRAs... so if you're a big spender it doesn't hurt your utilization, on the other hard it doesn't help your utilization if you have no balance

Re: Chase CLIs....

afbar1114 — Sun, 03 Feb 2013 18:14:00 GMT

They don't offer that card anymore. But I am hoping since I bank and invest with chase it will helpme for bigger limits in six months

Re: Chase CLIs....

Anonymous — Sun, 03 Feb 2013 18:25:52 GMT

FWIW, Chase Freedom will be the first casuality when I start closing cards in two years.

Re: Chase CLIs....

Anonymous — Sun, 03 Feb 2013 18:36:09 GMT

@afbar1114 wrote:
They don't offer that card anymore. But I am hoping since I bank and invest with chase it will helpme for bigger limits in six months

Actually they do, you just can't app online.... something about fraud, so now you have to app in person.

Re: Chase CLIs....

Anonymous — Mon, 04 Feb 2013 17:23:09 GMT

Chase rarely does auto CLI

Re: Chase CLIs....

Anonymous — Mon, 04 Feb 2013 18:44:17 GMT

Chase Freedom/CSP has been on my 'Wish List' for my fall round of apping. I just don't know if I want to deal with a low limit to start- it kinda seems hit or miss with them.

Re: Chase CLIs....

Express — Mon, 11 Mar 2013 23:44:52 GMT

I had a Chase Freedom and a Chase Slate and wanted to get a CLI on both. I was told from chase that it would be a HP for each card so I combined the Slate with the Freedom card and got a $9,000,00 CLI also

Re: Chase CLIs....

ObeyJohnny12 — Tue, 12 Mar 2013 00:17:45 GMT

Chase is stubborn in handing out cli's. I think i read here that you are more likely approved for a new chase card with a high CL than requesting a cli on a card you already have. Still, I would like to get my Freedom and CSP to 10k each.

Re: Chase CLIs....

youngandcreditwrthy — Tue, 12 Mar 2013 05:10:14 GMT

I'm prob going to wait at least a year or two to request a cli on my Freedom lol.. No auto cli at 6 months for me :-(

Re: Chase CLIs....

noobody — Tue, 12 Mar 2013 06:11:17 GMT

if i were you, i would NEVER request CLI from chase, just apply new card with sign up bonus, since i would get a hard pull anyway.

cancel when annual fee is up and move credit line to exiting account.

problem solved!