topic Re: Chase Freedom CLI! in Credit Card Approvals

Chase Freedom CLI!

Anonymous — Wed, 02 Jan 2013 17:50:55 GMT

My wife and I are going on a cruise over spring break this year and I wanted to pay it with my Chase card instead of my debit card for numerous reasons. However, it was more than my credit limit and Chase customer care would not authorize a one time charge above my limit. Because of this, I finally decided to bite the bullet and request an increase and just take the hard pull.

Customer care told me it would be reviewed and they would mail me their decision 7-10 days later. I knew what that meant, so I called the backdoor number to recon. After asking me some questions about my other high balances (very high Best Buy on an 18 month no-interest deal) and relatively high Capital One cards since they have extremely low limits, he approved me for an increase from $1500 to $3500! Despite my other cards having a high balance, he commented that I used my Chase card a lot (I usually pay it off in full at least twice a month) and had a good history with them so far.

Between my first auto increase and this, I have now gone from $1000 when I got this card last March to $3500. It is so nice to have a card that actually grows with you. I am also thrilled with how great Chase was upon recon. Instead of just spitting out what the computer said, he took the time to ask me about the specific flags their computer didn't like so I could explain those situations. So thrilled with Chase right now and definitely glad I didn't waste that inquiry. It is a bummer though because had previously been inquiry free since last March, but it was definitely worth it!

Re: Chase Freedom CLI!

Anonymous — Wed, 02 Jan 2013 15:59:04 GMT

congrats

Re: Chase Freedom CLI!

jsickz32 — Wed, 02 Jan 2013 16:00:52 GMT

Congrats! I also had to recon a cli

Re: Chase Freedom CLI!

Anonymous — Wed, 02 Jan 2013 16:01:19 GMT

Congratulations!!

Re: Chase Freedom CLI!

Shogun — Wed, 02 Jan 2013 18:13:41 GMT

Congrats on the CLI.

Re: Chase Freedom CLI!

Epcot — Wed, 02 Jan 2013 18:44:56 GMT

Nice, Congrats on the increase, Enjoy your cruise!

Re: Chase Freedom CLI!

SnackTrader — Thu, 03 Jan 2013 00:36:39 GMT

Yay! Congrats!

Re: Chase Freedom CLI!

Anonymous — Thu, 03 Jan 2013 00:42:17 GMT

Congrats

Re: Chase Freedom CLI!

bichonmom — Thu, 03 Jan 2013 01:00:24 GMT

Congrats! I see from your siggy you are lucky enough to be with PSECU. That will grow with you big time, too! (Unfortunately, I missed their out of state cut off by a few hours!)

Re: Chase Freedom CLI!

Anonymous — Thu, 03 Jan 2013 02:44:07 GMT

Lucky duck! I had to practically twist their arm just to give me a $500 CLI.

Then I asked for more and they said they wanted to see if I used the now $1000 CL before they upped it anymore...well the whole damn reason I wanted a bigger CL is so I can use the card more. I can't get much more use out of it with a measly $500 more. I ran so much money through that card with a little tiny limit and paid it off and they still screwed me. /rant

I'm happy for you though. At least someone got some love

Re: Chase Freedom CLI!

Anonymous — Thu, 03 Jan 2013 02:49:07 GMT

@bichonmom wrote:
Congrats! I see from your siggy you are lucky enough to be with PSECU. That will grow with you big time, too! (Unfortunately, I missed their out of state cut off by a few hours!)

Thanks! I actually got into PSECU through a convoluted process. My wife and I both live in PA and she is a graduate student at Clarion University, a PA state run university. Because of this, she was eligible to join. She didn't have the credit to get anything with them though, so she just opened a savings account with the minimum $5 in it.

However, her having a savings account allowed me to become a member and get my own account. They gave me a small starting limit on my combo, but I am confident they will give me a CLI when I eventually ask. Even better, they also approved me for an autoloan at 2.49% which was great since I refinanced the new car we bought a couple months prior with about an 18% interest rate! I am definitely fortunate to have been able to get PSECU and love getting my monthly EX score.

Re: Chase Freedom CLI!

Anonymous — Thu, 03 Jan 2013 02:51:45 GMT

@Anonymous wrote:
Lucky duck! I had to practically twist their arm just to give me a $500 CLI.

Then I asked for more and they said they wanted to see if I used the now $1000 CL before they upped it anymore...well the whole damn reason I wanted a bigger CL is so I can use the card more. I can't get much more use out of it with a measly $500 more. I ran so much money through that card with a little tiny limit and paid it off and they still screwed me. /rant

I'm happy for you though. At least someone got some love

My best suggestion is to just keep using it. I use my Freedom card for almost every purchase I make. I would run through my limit and pay in full at least twice a month and the credit analyst did mention that. Hopefully doubling from $500 to $1000 will help you put more on it regularly, but if you keep at it, I think you will get higher limits with Chase eventually. They seem much less stingent than the likes of Capital One at least.

Re: Chase Freedom CLI!

Anonymous — Thu, 03 Jan 2013 15:43:45 GMT

How long did you have the Chase Freedom before requesting this increase?

Re: Chase Freedom CLI!

Anonymous — Thu, 03 Jan 2013 15:45:46 GMT

March 2012.

Re: Chase Freedom CLI!

Anonymous — Thu, 03 Jan 2013 15:55:54 GMT

Nice! Thanks!

Re: Chase Freedom CLI!

creditnocash — Thu, 03 Jan 2013 16:53:23 GMT

Chase auto cli my card from 500-1000 after 5 months of use. i used it to max almost everymonth and pif and used it again.

only once did they actually report a balance.

i plan on asking for a cli sometime after the card is over a year.

since asking is a hard pull.

Re: Chase Freedom CLI!

Anonymous — Thu, 03 Jan 2013 16:54:54 GMT

I also got an auto CLI around the 5 month mark from $1000 to $1500. Perhaps that is something they do often?

Re: Chase Freedom CLI!

KS13 — Tue, 15 Jan 2013 18:36:27 GMT

Congrats!