topic Chase: No you can't have a CLI, but how about a 2 for 1 approval? in Credit Card Approvals

Chase: No you can't have a CLI, but how about a 2 for 1 approval?

DeeBee78 — Thu, 16 Mar 2017 21:50:48 GMT

My Freedom (now Freedom Unlimited) has never received a CLI, even when I attempted a HP CLI last year. I don't have much fatih in it growing beyond its starting limit, so I PC'd the card to the Freedom Unlimited, and started thinking about how I could maximize my relationship with Chase.

Recently, my Experian has been cleaned up a fair bit, and I decided to app the Amazon.com Visa Signature card. I currently have the store card with a $5K limit. I've been eyeballing the Chase card since it got a nice upgrade, but I've held off. I've seen so many people end up with $500 - $2,500 SL's, and didn't want to end up in the same bucket. I did the application from Amazon.com, for the $70 giftcard bonus.

Instant approval, with a decent $5K SL! 19.74% APR (will be 19.99% after today's prime rate adjustment).

Ok, so that's pretty great, but how can I get that Freedom Unlimited to a decent limit? Well, I looked at Chase's other offerings, and saw the AARP. This card intrigued me a couple of years ago, because there aren't a lot of 3% CB restaurant cards easily available. Eating out, groceries, and gas are my three biggest expenses, so I could see benefit to having it. After thinking it over (I went to lunch to clear my head), I decided to apply.

Instant approval, with a nice $9K SL! Now my highest major limit, and highest SL! 20.74% APR (will be 20.99% after today's prime rate adjustment).

The eventual goal is to take $6,500 from the AARP and move it to the FU, and throw the rest at the Amazon.com card.

I added $14K from stingy (towards me, anyways) Chase in less than two hours. I've been on quite the credit journey in the last couple of months:

Amex PRG - NPSL

Amex ED - $500 (anomaly, but hope it will grow eventually...)

Discover IT - $4,500

DCU Visa - $7,400

Chase Amazon - $5,000

Chase AARP - $5,000

Cap 1 CLI to $7,350

BoA CLI to $6,300

Lowes CLI to $17,000

I won't say I'm in the garden, because I have one more card to app for - Capital One Venture. That seedling is there until May

Re: Chase: No you can't have a CLI, but how about a 2 for 1 approval?

Anonymous — Thu, 16 Mar 2017 21:56:42 GMT

Nice additions! Grats!

Re: Chase: No you can't have a CLI, but how about a 2 for 1 approval?

Anonymous — Thu, 16 Mar 2017 22:44:26 GMT

Very nice. Always cracks
Me up when cards do this. Denied
For a CLI but approved for a new card.
Amex, CapOne, and now Chase
Have all done this. Makes no sense
IMO.

Congrats tho.

Re: Chase: No you can't have a CLI, but how about a 2 for 1 approval?

kidink1911 — Thu, 16 Mar 2017 23:10:26 GMT

Congratulations DeeBee78 on your Chase approvals! You're having an awesome week!!

Re: Chase: No you can't have a CLI, but how about a 2 for 1 approval?

CreditMagic7 — Thu, 16 Mar 2017 23:29:16 GMT

That's a really good 2 fer there for ya.

It's been said for years on here that the best and safest way to grow Chase Cards is to add them then move the limits.

Congrats!!

Re: Chase: No you can't have a CLI, but how about a 2 for 1 approval?

DeeBee78 — Thu, 16 Mar 2017 23:40:19 GMT

@CreditMagic7 wrote:
That's a really good 2 fer there for ya.

It's been said for years on here that the best and safest way to grow Chase Cards is to add them then move the limits.

Congrats!!

I'm ever-hopeful of a SP or automatic CLI on the Freedom Unlimited

Re: Chase: No you can't have a CLI, but how about a 2 for 1 approval?

Anonymous — Fri, 17 Mar 2017 02:48:26 GMT

That Prime card is so **bleep** pretty. Someday ~~

Re: Chase: No you can't have a CLI, but how about a 2 for 1 approval?

K-in-Boston — Fri, 17 Mar 2017 15:19:33 GMT

Congrats! I know we've discussed similar experiences with CapOne in the past and now it seems we have Chase in common also. My Freedom turned 10 in January - lowest APR but had a $3k limit until I combined it with a slightly older (2004?) Slate that I closed to make it $4200 about a year ago. On New Years Eve, I took the HP for the CLI and was denied then saw that I had "Offers" when I logged into my account and was instantly approved for CSP with $12k and lowest APR. Called to recon the CLI on the Freedom after the holiday and was told by the analyst that I should be approved for it, that they were sending it up the ladder and I'd know within a week. Then got the letter stating I was denied in part due to the new CSP. So you're not alone with it being stuck, but glad that you have the new accounts to shuffle around the CLs!

Good luck with the Venture - I was quite surprised to not get it. That was my first denial on an app in many years.

Re: Chase: No you can't have a CLI, but how about a 2 for 1 approval?

Anonymous — Fri, 17 Mar 2017 19:13:05 GMT

You showed Chase who is boss! Nice approvals!! I looooveee my Prime card!

Re: Chase: No you can't have a CLI, but how about a 2 for 1 approval?

Anonymous — Fri, 17 Mar 2017 19:34:51 GMT

OP congrats! they kind of did the same to me, I applied for the Fairmont card once it was announced to be going away and they made me wait for 2 weeks before denying saying they need to see more history with my existing Chase cards (which were almost a year old mind you).

A month later, boom instant 15.6k Ritz approval online Chase certainly is a strange bunch.

Re: Chase: No you can't have a CLI, but how about a 2 for 1 approval?

DeeBee78 — Fri, 17 Mar 2017 20:53:17 GMT

@K-in-Boston wrote:
Congrats! I know we've discussed similar experiences with CapOne in the past and now it seems we have Chase in common also. My Freedom turned 10 in January - lowest APR but had a $3k limit until I combined it with a slightly older (2004?) Slate that I closed to make it $4200 about a year ago. On New Years Eve, I took the HP for the CLI and was denied then saw that I had "Offers" when I logged into my account and was instantly approved for CSP with $12k and lowest APR. Called to recon the CLI on the Freedom after the holiday and was told by the analyst that I should be approved for it, that they were sending it up the ladder and I'd know within a week. Then got the letter stating I was denied in part due to the new CSP. So you're not alone with it being stuck, but glad that you have the new accounts to shuffle around the CLs!

Good luck with the Venture - I was quite surprised to not get it. That was my first denial on an app in many years.

Chase's lending practices are downright archaic sometimes. Even if it was always a HP, put a darn CLI button online!

May 1st is when I plan on app'ing the Venture, and yes, after that I will be somwhat gardening. I'll probably go for another HP on my BoA BBR this summer, but that's only one HP on TU. My car lease is up next April, so I'll have to beg DCU for a lease buyout check and take an EQ HP, but those are the only HP's I see in my near future.

Re: Chase: No you can't have a CLI, but how about a 2 for 1 approval?

K-in-Boston — Fri, 17 Mar 2017 23:50:22 GMT

I hate the lack of CLI button, too. And don't get me started on my wife still having the old Chase card website where half the links don't work! The BOA HP I am sure will be well worth it from my experience the past few months. Best of luck!

Re: Chase: No you can't have a CLI, but how about a 2 for 1 approval?

DeeBee78 — Mon, 20 Mar 2017 05:17:42 GMT

@K-in-Boston wrote:
I hate the lack of CLI button, too. And don't get me started on my wife still having the old Chase card website where half the links don't work! The BOA HP I am sure will be well worth it from my experience the past few months. Best of luck!

Does she have a Chase business credit card? I've heard if you have one of those you get stuck with the old layout.