topic Re: Chase CLI? in Business Credit

Chase CLI?

Xanthos472 — Fri, 10 Mar 2023 15:04:37 GMT

With Chase moving to SP CLI's, has anyone tested it on the business side to see if biz is SP now too? Just curious cuz would definitely have DW try if that's the case.

Re: Chase CLI?

JoeRockhead — Fri, 10 Mar 2023 16:08:49 GMT

Great question, you could contact Chase and you know, for science, find out what they say straight from the horse's mouth... if they say it's still a hard pull you can always decline. I'd like to know myself, and don't recall any posts pertaining to the business side of things yet.

Re: Chase CLI?

jaxstraw — Fri, 10 Mar 2023 20:36:18 GMT

@Xanthos472 wrote:
With Chase moving to SP CLI's, has anyone tested it on the business side to see if biz is SP now too? Just curious cuz would definitely have DW try if that's the case.

I tried about 2 days ago.

Still haven't received any notification of any HP.

The CSR did state they were going to have to pull a CR ( which very well could be a SP) and asked for permission.....then he had to wait for the automated answer....and I was eventually declined after about 30 seconds.

I have been stuck at $3k since getting the CC almost 2 years ago.

Use it often enough.... usually PIF.....very low DTI & UTI.....and only 2 new accounts in past year.

The reason in letter through secure message was too many new accounts and inquiries....lol.

Chase for me has not been the best biz CC by far.... actually my lowest CL by a way wide margin and I almost feel bucketed.

I keep thinking of calling in to ask for a person to recon instead of accepting the computer generated decision.

Re: Chase CLI?

Xanthos472 — Fri, 10 Mar 2023 21:55:30 GMT

@JoeRockhead wrote:
Great question, you could contact Chase and you know, for science, find out what they say straight from the horse's mouth...

DW went ahead and did just that. Rep confirmed SP, so I guess now we know. Tried all 3 Inks and sadly declined on all 3. Will be interesting to see what the denial letters say, DW is 4/24. However, 2 cards are approaching their limits rn and earlier in the day DW was approved for small increases on each of her OG Freedoms.

Re: Chase CLI?

JoeRockhead — Fri, 10 Mar 2023 22:30:32 GMT

@Xanthos472 wrote:
@JoeRockhead wrote:
Great question, you could contact Chase and you know, for science, find out what they say straight from the horse's mouth...
DW went ahead and did just that. Rep confirmed SP, so I guess now we know. Tried all 3 Inks and sadly declined on all 3. Will be interesting to see what the denial letters say, DW is 4/24. However, 2 cards are approaching their limits rn and earlier in the day DW was approved for small increases on each of her OG Freedoms.

@Xanthos472 Hey no harm, no foul... You can just try again down the road. Appreciate you sharing your experience though!

Re: Chase CLI?

JoeRockhead — Fri, 10 Mar 2023 22:35:46 GMT

@jaxstraw wrote:
@Xanthos472 wrote:
With Chase moving to SP CLI's, has anyone tested it on the business side to see if biz is SP now too? Just curious cuz would definitely have DW try if that's the case.
I tried about 2 days ago.
Still haven't received any notification of any HP.
The CSR did state they were going to have to pull a CR ( which very well could be a SP) and asked for permission.....then he had to wait for the automated answer....and I was eventually declined after about 30 seconds.
I have been stuck at $3k since getting the CC almost 2 years ago.
Use it often enough.... usually PIF.....very low DTI & UTI.....and only 2 new accounts in past year.
The reason in letter through secure message was too many new accounts and inquiries....lol.
Chase for me has not been the best biz CC by far.... actually my lowest CL by a way wide margin and I almost feel bucketed.
I keep thinking of calling in to ask for a person to recon instead of accepting the computer generated decision.

@jaxstraw Yeah that's a bummer, but I would think you would have heard by now if there was a HP so there's an upside I guess. I hope you can get it to grow in the near future.

Re: Chase CLI?

TimFlorida — Sat, 11 Mar 2023 13:31:09 GMT

I did not call in to request a CLI. I tried all my personal Chase cards in the mobile app and they all said my account wasn't eligible to try updating my income (I'm pretty sure they mean increase my income).

But interestingly the increase CLI link doesn't even appear for my Ink Business Preferred card in the mobile app.

Re: Chase CLI?

jaxstraw — Sat, 11 Mar 2023 19:58:58 GMT

@TimFlorida wrote:
I did not call in to request a CLI. I tried all my personal Chase cards in the mobile app and they all said my account wasn't eligible to try updating my income (I'm pretty sure they mean increase my income).

But interestingly the increase CLI link doesn't even appear for my Ink Business Preferred card in the mobile app.

To my knowledge the CLI link has never been reported to appear for a biz CC.

Re: Chase CLI?

TMDSCT — Sat, 11 Mar 2023 20:22:40 GMT

@jaxstraw wrote:
@Xanthos472 wrote:
With Chase moving to SP CLI's, has anyone tested it on the business side to see if biz is SP now too? Just curious cuz would definitely have DW try if that's the case.
I tried about 2 days ago.
Still haven't received any notification of any HP.
The CSR did state they were going to have to pull a CR ( which very well could be a SP) and asked for permission.....then he had to wait for the automated answer....and I was eventually declined after about 30 seconds.
I have been stuck at $3k since getting the CC almost 2 years ago.
Use it often enough.... usually PIF.....very low DTI & UTI.....and only 2 new accounts in past year.
The reason in letter through secure message was too many new accounts and inquiries....lol.
Chase for me has not been the best biz CC by far.... actually my lowest CL by a way wide margin and I almost feel bucketed.
I keep thinking of calling in to ask for a person to recon instead of accepting the computer generated decision.

On the personal side of Chase, I've clicked the CLI link on several cards and always receive a message that says a CLI isn't available at this time. CSP says it probably means based on monthly SP of credit they don't see it as an option. So I decided to app for the Amazon card and was instantly approved for a $20k SL. Now maybe the rules are different for new apps vs. CLI, but it doesn't make much sense to me that I can't have a CLI on a card I've history with, based on what Chase sees on my report every month (if you believe the csp) but I can have a new card with a SL way higher than the card I've trying to get the CLI on.

Re: Chase CLI?

alain4957 — Wed, 15 Mar 2023 00:38:48 GMT

@Xanthos472 wrote:
With Chase moving to SP CLI's, has anyone tested it on the business side to see if biz is SP now too? Just curious cuz would definitely have DW try if that's the case.

Mine was a SP. Called Chase and asked for CLI on my Ink and they asked a few questions and told me it would be SP. Results came back 30 seconds later as a pending, about an hour later i checked my app and was granted a 3x CLI to 15k.