topic Re: Chase CLI Question in Credit Cards

Chase CLI Question

CF_Frost — Wed, 30 Sep 2015 21:50:49 GMT

Everyone always asks the "Can I get an CLI from Chase without a HP," but I rarely see much regarding which CRA they pull or the process following that.

Can anyone enlighten me here? I don't want a new card but don't have a lot of inquiries on my reports and might be willing to take a hard pull just go get a bump on my Chase cards. Can I take one HP for a bump on two cards? Seems unlikely knowing them.

$45K income
Amex BCE $34,000
CSP $10,000
Discover IT $9,500
Freedom $3000

Mid to high 700s across the board
AAoa of 25 months
0 TU pulls, 1 Equifax, unsure about Experian

Re: Chase CLI Question

ojefferyo — Wed, 30 Sep 2015 23:01:00 GMT

@CF_Frost wrote:
Everyone always asks the "Can I get an CLI from Chase without a HP," but I rarely see much regarding which CRA they pull or the process following that.

Can anyone enlighten me here? I don't want a new card but don't have a lot of inquiries on my reports and might be willing to take a hard pull just go get a bump on my Chase cards. Can I take one HP for a bump on two cards? Seems unlikely knowing them.

$45K income
Amex BCE $34,000
CSP $10,000
Discover IT $9,500
Freedom $3000

Mid to high 700s across the board
AAoa of 25 months
0 TU pulls, 1 Equifax, unsure about Experian

I have gotten a few auto CLI from Chase, they seem to SP EX but they rely more on their internal scoring system more than FICO. Most likely it'll be 2 HP for 2 CLI

Re: Chase CLI Question

Anonymous — Thu, 01 Oct 2015 01:06:51 GMT

A CLI request from Chase will definately be a hardpull. But if you want them to use the hp for 2 CLI, I suggest you SM them and see if that is possible before proceeding.

Re: Chase CLI Question

CF_Frost — Thu, 01 Oct 2015 13:18:09 GMT

Thanks, guys. Any advice on if I should request on the CSP or Freedom?

Re: Chase CLI Question

Anonymous — Thu, 01 Oct 2015 13:19:40 GMT

@CF_Frost wrote:
Thanks, guys. Any advice on if I should request on the CSP or Freedom?

Which one do you use the most? Since the freedom gas the lowest line, I'd request on the freedom card if I were in your shoes.

Re: Chase CLI Question

CF_Frost — Thu, 01 Oct 2015 13:39:17 GMT

I put maybe $100/month on the Freedom and maybe $700/month on the CSP. Neither enough to justify a bump.

Re: Chase CLI Question

Anonymous — Thu, 01 Oct 2015 13:56:11 GMT

@CF_Frost wrote:
I put maybe $100/month on the Freedom and maybe $700/month on the CSP. Neither enough to justify a bump.

Then request it on the CSP. It seems you use that the most. But it is all up to you.

Re: Chase CLI Question

Credit-hoarder — Thu, 01 Oct 2015 13:59:18 GMT

I asked for one yesterday on my CSP to take it from $5K to $10K so I could take advantage of a 0% BT offer they sent me. Went pending--more than likely a denial. They pulled my EQ---was hoping they'd pull EX b/c my score right now on that one is 9 pts. higher.

Re: Chase CLI Question

Anonymous — Thu, 01 Oct 2015 20:12:32 GMT

IDK about the "official" Chase cards but my Amazon and Marriott cards get auto CLIs almost once a quarter. It always seems to be after I pay off a balance of 60% UTI or more and the CLI is generally at least 50%.

Re: Chase CLI Question

noobody — Fri, 02 Oct 2015 00:20:44 GMT

Since your spending is limited, why push the limit? 10K CSP and 3K freedom is quite adequate. Leave some breathing room for future chase application.