topic Re: CHASE Auto CLI feature in Credit Card Approvals

CHASE Auto CLI feature

Bay_Area_Joe — Fri, 02 Nov 2012 20:54:47 GMT

When trying activate my CSP today I tried to reconed to higher than 5k, no go on more at this time.

I asked why didn't I ever get an increasing on my Chase Southwest Card that I have had for years and it is stuck at 3.5k, the lady said you have to specifically tell Chase that you want the Auto Credit Line Increase featured turned on with your accounts. It is something I never heard of but wanted to share with all.

She said once the featured is enabled on your account then every 6 months or so, they will soft inquiry you and if all is good across all your CC's and credit report then they can and will do automatic increases. She also said if things are bad on your credit file then they can do CLD's too.

I am not planning on baddies so I had her enable it on all three of my accounts.

I hope this is new information I am sharing.

Thanks

Re: CHASE Auto CLI feature

Anonymous — Fri, 02 Nov 2012 20:56:52 GMT

ORLY??? I need to call and ask about this.

Re: CHASE Auto CLI feature

Anonymous — Fri, 02 Nov 2012 21:06:05 GMT

@Bay_Area_Joe wrote:
When trying activate my CSP today I tried to reconed to higher than 5k, no go on more at this time.

I asked why didn't I ever get an increasing on my Chase Southwest Card that I have had for years and it is stuck at 3.5k, the lady said you have to specifically tell Chase that you want the Auto Credit Line Increase featured turned on with your accounts. It is something I never heard of but wanted to share with all.

She said once the featured is enabled on your account then every 6 months or so, they will soft inquiry you and if all is good across all your CC's and credit report then they can and will do automatic increases. She also said if things are bad on your credit file then they can do CLD's too.

I am not planning on baddies so I had her enable it on all three of my accounts.

I hope this is new information I am sharing.

Thanks

Is it a SP on all three reports or just the report they pulled originally? Not that it really matters I don't guess. Just curious cause I had to have them pull a different report to get approval due to some medical collections which were deleted from one report but not the others.

Re: CHASE Auto CLI feature

Epcot — Fri, 02 Nov 2012 21:10:13 GMT

Very interesting. That is the first I hear of this. I have had my slate card at the same three digit limit for the last 5 years.

Re: CHASE Auto CLI feature

Anonymous — Fri, 02 Nov 2012 22:52:32 GMT

My husband just called, and the lady said its automatic unless you specifically opted to turn it off. Weird. Who WOULDN'T want auto CLIs??

Re: CHASE Auto CLI feature

Anonymous — Sat, 03 Nov 2012 01:05:28 GMT

I sent a secure message regarding automatic CLI and a CSR replied Chase does not have that procedure. A CLI must be requested by account owner.

Re: CHASE Auto CLI feature

djrez4 — Sat, 03 Nov 2012 01:09:29 GMT

I am so calling my exec rep on Monday.

Re: CHASE Auto CLI feature

Anonymous — Sat, 03 Nov 2012 01:33:26 GMT

@Epcot wrote:
Very interesting. That is the first I hear of this. I have had my slate card at the same three digit limit for the last 5 years.

My mom was in the same situation. She had an $800 limit on a slate card. Reapped for the slate card, they closed the old and reopened it at a $5000 limit with the current promos.

Re: CHASE Auto CLI feature

Epcot — Sat, 03 Nov 2012 01:44:44 GMT

Interesting... I am looking at applying for the Disney Premier Visa in the next few months. (I apped in february but was denied, only reason given at recon was high util) Is Chase inq sensitive? What do they normally pull in FL?

I am also looking at applying for the walmart card and I am guessing I should app for Chase first, then walmart. I just brought down my util from 80% to under 30% and working on getting it into the teens before applying.

Re: CHASE Auto CLI feature

creditnocash — Sat, 03 Nov 2012 01:49:13 GMT

secured message them and said it would take no later then 4 hours to receive an answer.. Okay the waiting game begins.

Otherwise I will call Monday.

Chase freedom is at the bottom of my tier and only really use it because its convenient (reporting cycle) or if its the 5%.

Have no problem sock drawering it until Jan.

Re: CHASE Auto CLI feature

Anonymous — Sat, 03 Nov 2012 02:08:43 GMT

@Epcot wrote:
Interesting... I am looking at applying for the Disney Premier Visa in the next few months. (I apped in february but was denied, only reason given at recon was high util) Is Chase inq sensitive? What do they normally pull in FL?
I am also looking at applying for the walmart card and I am guessing I should app for Chase first, then walmart. I just brought down my util from 80% to under 30% and working on getting it into the teens before applying.

Her utilization was at 30% and she had a couple INQs

Re: CHASE Auto CLI feature

creditnocash — Sat, 03 Nov 2012 12:56:56 GMT

this is the response i got at around 11

Dear Creditnocash,

Thank you for taking the time to email us today.

I would like to clarify that periodically Chase reviews
accounts for eligibility for an automatic credit line
increase. An increase is granted when the card member
meets established criteria.

You may request to have the credit line increased at any
time. If you wish to request for a credit line increase, I
will be happy to process your request. In order to do so,
please reply to this email with the following information:

* Gross Annual Income (Alimony, child support or separate
maintenance income need not be revealed if you do not want
to consider these as a basis for repayment. Gross Annual
Income is income that you are able to use for repaying
your debts. Examples may include income earned from
salaries, investments, rental properties, Social Security
benefits and retirement accounts.)

* Total credit line you are requesting (Current credit
line plus amount of requested increase.)

By submitting a request for a credit line increase, you
authorize Chase to obtain a copy of your credit report,
credit bureau history and any other information in order
to determine if the request can be approved.

After your request has been processed, you will be
notified of the outcome via email.

If you have any further questions, please reply using the
Secure Message Center.

Thank you,

Rep
Customer Service Specialist

Insert 1800 Number here
Account is owned by Chase Bank USA, N.A. and may be
serviced by its affiliates.

**********************************************************
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DO YOU KNOW AT CHASE ONLINE YOU CAN ....
- Gain instant access to view and download your credit
card information.
- See and pay your bill online
- Transfer balances
- Change your address and much more....

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Original Message Follows:
------------------------

hello. i was informed from a friend that there is a
feature that i could have enabled to have my account
reviewed every 6 months for a credit limit increase.
My chase freedom card is one of my lowest limits. i only
charge what i can that month on this card and all others
and pay in full as shown in my payment history. is there
someone i could contact to talk about this or have this
turned on?

edited out contact info and names per rules of forum.