topic Re: Chase Soft Pull CLI in Credit Cards

Chase Soft Pull CLI

12njoy — Wed, 06 Jan 2016 22:55:04 GMT

There's been discussions regarding some people getting soft pull chase cli's. I called CSP customer service to inquire about a cli request. I asked if it's a HP or SP. Of Course she said it's a HP but then said Chase sometimes offers SP cli's on accounts and that she could check my account for such an offer. Unfortunately, I had no such offer on CSP. She said it would require an HP which I declined. Anyone considering a chase cli may want to call and ask if they have a SP cli offer on their account.

Re: Chase Soft Pull CLI

Anonymous — Wed, 06 Jan 2016 22:59:38 GMT

@12njoy wrote:
There's been discussions regarding some people getting soft pull chase cli's. I called CSP customer service to inquire about a cli request. I asked if it's a HP or SP. Of Course she said it's a HP but then said Chase sometimes offers SP cli's on accounts and that she could check my account for such an offer. Unfortunately, I had no such offer on CSP. She said it would require an HP which I declined. Anyone considering a chase cli may want to call and ask if they have a SP cli offer on their account.

Calling doesn't hurt, but I think Chase is pretty good about proactively notifying customers about those offers.

I suppose it's possible that at the time of such a call, an invitation for a SP CLI could be in the post, or stuck in a junk email folder, or otherwise lost.

Re: Chase Soft Pull CLI

Anonymous — Thu, 07 Jan 2016 00:20:39 GMT

I got a soft pull CLI on my CSP a few weeks ago, but they sent me a snailmail letter offering it to me. It wasn't something I initiated.

Re: Chase Soft Pull CLI

CreditScholar — Thu, 07 Jan 2016 00:53:38 GMT

@pdxgigi3 wrote:
I got a soft pull CLI on my CSP a few weeks ago, but they sent me a snailmail letter offering it to me. It wasn't something I initiated.

Wow they're actually offering it to people now through snail mail? Whenever I got an auto-CLI via SP, I just logged in one day and noticed that my CLs had changed.

They never asked me if I wanted it, or even bothered sending any kind of notification.

Re: Chase Soft Pull CLI

PointLager — Thu, 07 Jan 2016 00:55:26 GMT

On all of my cards Chase just bumped the limit. There was no offer letter or anything. I just saw it online and confirmed it when received the statement

Re: Chase Soft Pull CLI

Anonymous — Thu, 07 Jan 2016 01:17:53 GMT

Chase may just use the "potential SP CLI" notices when they want an income update.

Re: Chase Soft Pull CLI

12njoy — Thu, 07 Jan 2016 01:43:15 GMT

congrats to you all. I'll never see a sp cli.

Re: Chase Soft Pull CLI

FinStar — Thu, 07 Jan 2016 03:12:01 GMT

@CreditScholar wrote:
@pdxgigi3 wrote:
I got a soft pull CLI on my CSP a few weeks ago, but they sent me a snailmail letter offering it to me. It wasn't something I initiated.
Wow they're actually offering it to people now through snail mail? Whenever I got an auto-CLI via SP, I just logged in one day and noticed that my CLs had changed.

They never asked me if I wanted it, or even bothered sending any kind of notification.

Similarly, I've received auto-CLI's (SP) on some of my older accounts like Freedom (which I've had since 2008) and also CSP last year. I've also received SP CLI offers via snail mail and e-mail for some of my Chase accounts - almost similar to US Bank's pre-approved CLI offers.

Re: Chase Soft Pull CLI

Nova5041 — Thu, 07 Jan 2016 03:35:53 GMT

Well, I hope to get some sp cli love. I read about chase when I got my csp card and pretty much made up my mind that I'm stuck forever with my cl. Just was going to merge cards in a few months. Alittle nervous about doing a hp cli, and get denied or worse a 500 cli. Lol

Re: Chase Soft Pull CLI

elim — Thu, 07 Jan 2016 03:58:14 GMT

CSP is the only card Chase hasn't auto bumped for me. Same spend as marriott but nada. My theory is I used to use it to load Serve and set off a flag or two. :[

I have tried HP CLI only to get double pulled on EX and denied.

HP	EX	Chase	4/13/2015
HP	EX	Chase	4/13/2015

grrrrrrrrr

Re: Chase Soft Pull CLI

CreditScholar — Thu, 07 Jan 2016 04:00:29 GMT

@elim wrote:
CSP is the only card Chase hasn't auto bumped for me. Same spend as marriott but nada. My theory is I used to use it to load Serve and set off a flag or two. :[

I have tried HP CLI only to get double pulled on EX and denied.

HP EX Chase 4/13/2015
HP EX Chase 4/13/2015

grrrrrrrrr

The alternative is that you may have hit your internal limit with Chase. If that's true, you won't get any more auto CLIs on any of your cards.

Re: Chase Soft Pull CLI

12njoy — Thu, 07 Jan 2016 04:03:02 GMT

@CreditScholar wrote:
@elim wrote:
CSP is the only card Chase hasn't auto bumped for me. Same spend as marriott but nada. My theory is I used to use it to load Serve and set off a flag or two. :[

I have tried HP CLI only to get double pulled on EX and denied.

HP EX Chase 4/13/2015
HP EX Chase 4/13/2015

grrrrrrrrr
The alternative is that you may have hit your internal limit with Chase. If that's true, you won't get any more auto CLIs on any of your cards.

Somebody loves Chase and Chase loves you

Re: Chase Soft Pull CLI

CreditMagic7 — Thu, 07 Jan 2016 04:10:50 GMT

@FinStar wrote:
@CreditScholar wrote:
@pdxgigi3 wrote:
I got a soft pull CLI on my CSP a few weeks ago, but they sent me a snailmail letter offering it to me. It wasn't something I initiated.
Wow they're actually offering it to people now through snail mail? Whenever I got an auto-CLI via SP, I just logged in one day and noticed that my CLs had changed.

They never asked me if I wanted it, or even bothered sending any kind of notification.
Similarly, I've received auto-CLI's (SP) on some of my older accounts like Freedom (which I've had since 2008) and also CSP last year. I've also received SP CLI offers via snail mail and e-mail for some of my Chase accounts - almost similar to US Bank's pre-approved CLI offers.

The snail mail CLI came thru for my US Bank CC (After PC) I can't say with any certainty if that had some bearing or not but normally it was difficult even to obtain a customer initiated CLI with a HP before the PC. Another note of interest is that it was also one of my oldest CC accounts too.

Re: Chase Soft Pull CLI

elim — Thu, 07 Jan 2016 04:20:19 GMT

@CreditScholar wrote:
@elim wrote:
CSP is the only card Chase hasn't auto bumped for me. Same spend as marriott but nada. My theory is I used to use it to load Serve and set off a flag or two. :[

I have tried HP CLI only to get double pulled on EX and denied.

HP EX Chase 4/13/2015
HP EX Chase 4/13/2015

grrrrrrrrr
The alternative is that you may have hit your internal limit with Chase. If that's true, you won't get any more auto CLIs on any of your cards.

I was wondering but they gave me auto CLI's on 2 cards after, lol

I'm only in to them for 13.5k in limits and we bring in 100k (but I only use mine on apps, which is half). ehh... May be the horrible scores, many accounts and Fed Tax Lien spooking them. So you are probably right. My EX Fico 8 can't get off the couch for some reason (675).

oldest account 13

AAoA 2.3

12 open CC's

Auto loan

246 positive payments(no lates)

1 baddie - 2010 tax lien

Re: Chase Soft Pull CLI

CreditScholar — Thu, 07 Jan 2016 04:19:45 GMT

@elim wrote:
@CreditScholar wrote:
@elim wrote:
CSP is the only card Chase hasn't auto bumped for me. Same spend as marriott but nada. My theory is I used to use it to load Serve and set off a flag or two. :[

I have tried HP CLI only to get double pulled on EX and denied.

HP EX Chase 4/13/2015
HP EX Chase 4/13/2015

grrrrrrrrr
The alternative is that you may have hit your internal limit with Chase. If that's true, you won't get any more auto CLIs on any of your cards.
I was wondering but they gave me auto CLI's on 2 cards after, lol

I'm only in to them for 13.5k in limits and we bring in 100k (but I only use mine on apps, which is half). ehh... May be the horrible scores, many accounts and Fed Tax Lien spooking them. So you are probably right. My EX Fico 8 can't get off the couch for some reason (675).

oldest account 13
AAoA 2.3
12 open CC's
Auto loan
246 positive payments on open revolvers (no lates)
1 baddie - 2010 tax lien

How many cards do you have in total with Chase? And which ones are they?

It's hard to tell exactly from the small pictures in your sig.

Re: Chase Soft Pull CLI

elim — Thu, 07 Jan 2016 04:22:45 GMT

Chase amazon	Apr-14	20.1	$2,000
Chase CSP	Oct-14	14.5	$5,000
Chase Marriott	Feb-15	10.6	$6,500

Re: Chase Soft Pull CLI

CreditScholar — Thu, 07 Jan 2016 04:34:01 GMT

@elim wrote:
Chase amazon Apr-14 20.1 $2,000
Chase CSP Oct-14 14.5 $5,000
Chase Marriott Feb-15 10.6 $6,500

I have a feeling that the other issues you mentioned previously might be contributing factors.

However another thing to consider is that there are different "costs" to Chase involved in CLIs for different cards. For example the CSP is the most costly card to them, whereas it costs Chase less if the same action is done to your Marriott card. While the difference to you as an individual is small, it might help shape Chase's internal policies around this issue, especially if your spending was similar across multiple cards.

Re: Chase Soft Pull CLI

elim — Thu, 07 Jan 2016 04:30:53 GMT

The Amazon was the first Chase card I got during rebuild at $500. Maybe they still remember, lol

Re: Chase Soft Pull CLI

willwar14 — Thu, 07 Jan 2016 05:06:18 GMT

My amazon visa was my first CC, about a year ago, on first I carried a balance and only paid the min like an idiot (gave me the best rate so...) but for the past 6 months ive been paying off it in full or a big chunk, and they still wont budge from a $1k limit :/. As soon as I get a CC with a apr lower than 14.49% its getting closed!

Re: Chase Soft Pull CLI

Anonymous — Thu, 07 Jan 2016 05:38:00 GMT

@Anonymous wrote:
Chase may just use the "potential SP CLI" notices when they want an income update.

You could be on to something here, CB. They did ask me to update my income before giving me 1500. Funny thing is, I haven't had the card 6 months. My income was the exact same as it was when I got the card 5 months before.