topic Re: Chase CSR CLI in Credit Card Approvals

Chase CSR CLI

nytokyobred79 — Fri, 09 Aug 2024 14:14:31 GMT

I figured since I was successful last month with my CFU, once I was eligible for the CSR, I would try. Checked today, was eligible and input my details and got a $1.5K increase bringing my Cl to $40.5K. I My total credit with Chase is around 35% of total reported income. I ran about 40-50K through the cards last yr vs under 5K this yr. Stats

UTI: 5% w/ balances in 2 cards

Ex: 738 ( inquiries 22/ 7 scorable, 0/6)

TU 749 ( inquiries 6/ scorable 2, 0/6)

EQ 782 ( 0 inquiries)

6/24 for new accts(1/12, 0/6 as well) and I will hit 5/24 once my CFU turns 2 in 10 days. Can't wait to get under 5/24 in February.

Reported Income : 236K

For additional dp(s), I was getting declined the last 12 plus months for cli requests for both my CFU and CSR. For the CFU, reason was inquiries whereas the CSR referenced new accts.

Re: Chase CSR CLI

MissLiz — Fri, 09 Aug 2024 14:08:14 GMT

Congratulations on your Chase CLI!

Re: Chase CSR CLI

nytokyobred79 — Fri, 09 Aug 2024 14:15:35 GMT

@MissLiz wrote:
Congratulations on your Chase CLI!

Thanks @MissLiz

Re: Chase CSR CLI

keekers — Fri, 09 Aug 2024 14:20:24 GMT

Congrats.

Re: Chase CSR CLI

JoeRockhead — Fri, 09 Aug 2024 14:39:33 GMT

Congratulations on your new limit!

Re: Chase CSR CLI

nytokyobred79 — Fri, 09 Aug 2024 14:58:39 GMT

@keekers wrote:
Congrats.

Thanks

Re: Chase CSR CLI

user979797 — Fri, 09 Aug 2024 15:03:24 GMT

Congratulations on your CSR CLI Now your over 40K with that card YAY!!!!! Celebration time

Re: Chase CSR CLI

nytokyobred79 — Fri, 09 Aug 2024 15:04:25 GMT

Thanks @JoeRockhead

It took me more than a year and a half to get approved clis for both my Chase cards since my last clis in Feb 2023. The reason was either too many inquiries for my CFU or too many accts for my CSR. Interestingly, my CFU came with the lowest APR and a better SL ( the reason for denied clis until last month or so was inquiries. This coincides with many inquiries aging on TU). Now for the CSR, which I obtained with the highest APR, it was more sensitive to new accounts. I'm almost at 5/24 this month so I suspect that played a part.

Re: Chase CSR CLI

nytokyobred79 — Fri, 09 Aug 2024 15:07:26 GMT

@user979797 wrote:
Congratulations on your CSR CLI Now your over 40K with that card YAY!!!!! Celebration time

Yes. you're right. I hadn't even thought of it. I never expected to get these cards that high. Chase has been quite generous to me. I'll see if I can get the CFU there in 6 months. It's almost there..just need to put more spend on it.

Re: Chase CSR CLI

MySunrise271 — Fri, 09 Aug 2024 15:13:55 GMT

Congratulations on your Chase CSR CLI🎉🎉🎉

Re: Chase CSR CLI

nytokyobred79 — Fri, 09 Aug 2024 15:20:58 GMT

@MySunrise271 wrote:
Congratulations on your Chase CSR CLI🎉🎉🎉

Thanks

Re: Chase CSR CLI

cashorcharge — Fri, 09 Aug 2024 18:13:33 GMT

That’s Terrific!! Congratulations on your Approval!!👏🏼🍾🥂

Re: Chase CSR CLI

nytokyobred79 — Fri, 09 Aug 2024 20:10:34 GMT

@cashorcharge wrote:
That’s Terrific!! Congratulations on your Approval!!👏🏼🍾🥂

Thanks @cashorcharge 😊

Re: Chase CSR CLI

TyrannicalDuncery3 — Fri, 09 Aug 2024 21:14:51 GMT

Great job, great DP. Congrats!

Re: Chase CSR CLI

nytokyobred79 — Fri, 09 Aug 2024 21:53:35 GMT

@TyrannicalDuncery3 wrote:
Great job, great DP. Congrats!

Thanks. I'm trying to be really diligent with sharing dps( for all our benefit).

Re: Chase CSR CLI

Gregory1776 — Sat, 10 Aug 2024 04:04:14 GMT

How many CLIs did they give you from 20K SL?

Re: Chase CSR CLI

NoMoreDebt — Sat, 10 Aug 2024 10:23:52 GMT

Congrats

Re: Chase CSR CLI

Rdbeetle — Sat, 10 Aug 2024 18:53:18 GMT

Congrats on your $1.5k bump!

Re: Chase CSR CLI

Financially_Disciplined — Mon, 12 Aug 2024 01:23:58 GMT

Congratulations!

Re: Chase CSR CLI

nytokyobred79 — Wed, 14 Aug 2024 06:37:02 GMT

@Gregory1776 wrote:
How many CLIs did they give you from 20K SL?

I got 2 CLIs since opening the card in Jan 2022. The first one was last Jan/Feb 2023 before they moved officially to SP cli requests. I got a 9K increase via HP at that time. Since I had already used up an HP for the request, I made a request on my CFU( using same pull) and they raised that from 23.4K to 46.8K. I then moved some of the CFU limit to the CSR and it was sitting at 39K until this recent increase. I was also fortunate to get a sp 3K increase on my CFU last month.

I kept getting rejected for sp cli requests on both cards until last month when my inquiries and 5/24 status was somewhat reasonable. Obviously, YMMV but it seems that for my CSR, new accts impact my cli request whereas inquiries was the issue for the CFU. Who knows if those were the real reasons but dp(s) nonetheless.