topic Re: freedom cli at 6th months in Credit Card Approvals

freedom cli at 6th months

jsickz32 — Mon, 17 Dec 2012 15:03:44 GMT

Anyone in here got a cli at their 6th month mark? Today is 6 months from when i applied to my freedom. I dont know wheter i should ask for one or wait longer. EQ score is 672, aaoa 1year and utl is at 3% but should be at 1% this 20th when my card reports because i decided to pay off the balance to see if i make it to the 700s club next month. What you think?

Re: freedom cli at 6th months

wreith — Mon, 17 Dec 2012 15:40:25 GMT

I just received an auto CLI for $300 the other day, it was my 6th month with them, so it has happened, I have run quite a bit of money through it and keep a small balance of about $100 month to month, since I have )% apr right now doesn't hurt to float that amount. Just keep an eye on your account and one may show up.

Re: freedom cli at 6th months

jsickz32 — Mon, 17 Dec 2012 15:48:10 GMT

I got a auto cli of 500 about 2 months ago so i dont think ill get another one. My limit at the moment is 1k, my lowest cl of all my cards. I wanna ask for at least 3k and if not i might closed this card.

Re: freedom cli at 6th months

armbenderc — Mon, 17 Dec 2012 16:15:24 GMT

@jsickz32 wrote:
Anyone in here got a cli at their 6th month mark? Today is 6 months from when i applied to my freedom. I dont know wheter i should ask for one or wait longer. EQ score is 672, aaoa 1year and utl is at 3% but should be at 1% this 20th when my card reports because i decided to pay off the balance to see if i make it to the 700s club next month. What you think?

I'm curious as well, but not nearly at six months yet. Got it in Sept '12, so it will be in March '13. Starting 3.7k CL, I hope it auto to atleast 4.5k+

I'm using it a lot, and PIF before statement cut.

Re: freedom cli at 6th months

Anonymous — Mon, 17 Dec 2012 18:19:11 GMT

I received an auto increase of $500 sometime over the past few days. I opened my account in May.

Re: freedom cli at 6th months

jsickz32 — Mon, 17 Dec 2012 18:31:55 GMT

Im looking for someone who asked for a cli at six months and got it. I wanna ask for at least 5k

Re: freedom cli at 6th months

Anonymous — Mon, 17 Dec 2012 22:36:44 GMT

@jsickz32 wrote:
Anyone in here got a cli at their 6th month mark? Today is 6 months from when i applied to my freedom. I dont know wheter i should ask for one or wait longer. EQ score is 672, aaoa 1year and utl is at 3% but should be at 1% this 20th when my card reports because i decided to pay off the balance to see if i make it to the 700s club next month. What you think?

Raising your score 28 points by reducing your util 2% is not going to happen. What is the highest limit you have on another card? You stated you want to hit $5k and $3k......, so we need more info.

Re: freedom cli at 6th months

Anonymous — Tue, 18 Dec 2012 00:03:04 GMT

November was my 1 year mark and I haven't received any cli so far, not even at 6 months. Normally I would be mad but chase recently approved me for their csp at $8,000 so I'm content for now.

Re: freedom cli at 6th months

jsickz32 — Tue, 18 Dec 2012 02:00:01 GMT

@Anonymous wrote:
@jsickz32 wrote:
Anyone in here got a cli at their 6th month mark? Today is 6 months from when i applied to my freedom. I dont know wheter i should ask for one or wait longer. EQ score is 672, aaoa 1year and utl is at 3% but should be at 1% this 20th when my card reports because i decided to pay off the balance to see if i make it to the 700s club next month. What you think?
Raising your score 28 points by reducing your util 2% is not going to happen. What is the highest limit you have on another card? You stated you want to hit $5k and $3k......, so we need more info.

i have two cards with 10k, 3 cards with 5k and the rest in the 2k/2.5k.

Re: freedom cli at 6th months

Anonymous — Tue, 18 Dec 2012 02:04:25 GMT

Over 15 cards with AA0A at 1year. That would be tough for Chase in my opinion, but seeing you have some others with high limits you could very well get the increase you are looking for. I say it is 50/50.

Re: freedom cli at 6th months

creditnocash — Tue, 18 Dec 2012 05:26:05 GMT

@Anonymous wrote:
Over 15 cards with AA0A at 1year. That would be tough for Chase in my opinion, but seeing you have some others with high limits you could very well get the increase you are looking for. I say it is 50/50.

i got my auto cli at 5 months 500 to 1k as we stated before (apped for freedom 7/26) with heavy usage.

the only thing im thinking is that they don't take into account store cards into the mix.

so if you had another card report 5-10k its possible they could match it.

if you call in for the cli though it will be a hard pull and why waste one to close the account.... just my 2cents

Re: freedom cli at 6th months

jsickz32 — Tue, 18 Dec 2012 12:13:26 GMT

Well i tried last night and was denied. Weird thing is i been checking if ive gotten an HP but nothing. Maybe itll show up later.

Re: freedom cli at 6th months

armbenderc — Tue, 18 Dec 2012 12:39:59 GMT

@jsickz32 wrote:
Well i tried last night and was denied. Weird thing is i been checking if ive gotten an HP but nothing. Maybe itll show up later.

Dang , how much did you asked for? Did you call the regular CSR or underwriting?

Re: freedom cli at 6th months

jsickz32 — Tue, 18 Dec 2012 12:43:28 GMT

I did it online because dont really like talking on the phone. I asked for 5k hoping they would counter but nope. I just paid the $50 balance i had on the card and threw the card somewhere inside my closet lol chase just doesnt like me.

Re: freedom cli at 6th months

Anonymous — Tue, 18 Dec 2012 12:53:41 GMT

@jsickz32 wrote:
I did it online because dont really like talking on the phone. I asked for 5k hoping they would counter but nope. I just paid the $50 balance i had on the card and threw the card somewhere inside my closet lol chase just doesnt like me.

I have not seen a credit increase button on Chase's website. How did you do it online?

Re: freedom cli at 6th months

jsickz32 — Tue, 18 Dec 2012 12:56:01 GMT

You send them a private message saying you want a credit limit increase and they respond asking for annual income etc.

Re: freedom cli at 6th months

Anonymous — Tue, 18 Dec 2012 12:57:44 GMT

@jsickz32 wrote:
You send them a private message saying you want a credit limit increase and they respond asking for annual income etc.

Ahhh....ok. Thanks. Hopefully they didn't do an HP on you, but if they did, are you going to try to Recon since you would already have the credit ding?

Re: freedom cli at 6th months

jsickz32 — Tue, 18 Dec 2012 13:02:20 GMT

Can you recon cli requests?

Re: freedom cli at 6th months

jsickz32 — Tue, 18 Dec 2012 13:02:51 GMT

Maybe i asked for too much but dont they counter offer?

Re: freedom cli at 6th months

Anonymous — Tue, 18 Dec 2012 13:05:48 GMT

@jsickz32 wrote:
Can you recon cli requests?

Absolutely you can!!