topic Re: Chase CLI? in Credit Cards

Chase CLI?

Kennie02 — Mon, 04 Jan 2016 05:18:33 GMT

I have three Chase cards, Amazon (1k), Freedom (2k) and IHG (3k). I would like a CLI on my Amazon and/or my Freedom... I shop a lot on Amazon and so the $1k limit doesn't work and the Freedom doesn't usually work depending on the cash back category. I don't see the request CLI on my online account. Does that mean that I don't qualify for a CLI? Or are all CLI's have to be generated by them?

Re: Chase CLI?

FinStar — Mon, 04 Jan 2016 05:22:24 GMT

There is no CLI link or button available on the Chase website. You would need to submit the request through a Secure Message or via telephone. Please keep in mind that each CLI request can and will result in a HP for each CC that you request regardless of which method you use.

Chase does offer auto-CLIs, however, this all depends on account eligibility.

Re: Chase CLI?

TrialByFire — Mon, 04 Jan 2016 05:27:45 GMT

There is no option for cli on the website. Chase cli come in ~4 different ways:

1. Auto cli (sp)
2. By Invitation through the mail (sp)
3. Request via phone or SM (HP typically)
4. Reallocate CL i.e. You could move some of your CL from IHG to another account. Some suggest apping for a new card, moving most or the whole CL and closing the donor card.

Re: Chase CLI?

takeshi74 — Mon, 04 Jan 2016 13:56:56 GMT

@Kennie02 wrote:
I don't see the request CLI on my online account. Does that mean that I don't qualify for a CLI? Or are all CLI's have to be generated by them?

Nope and nope. They just don't have a CLI request link. You can always request a CLI which will lead to a hard pull. Many find that they don't have any luck with requesting a CLI but YMMV depending on your credit profile and income.

Re: Chase CLI?

Anonymous — Mon, 04 Jan 2016 14:14:37 GMT

Don't waste a HP on a CLI with Chase. Apply for one, or two, new cards using one HP and then move your credit lines as you see fit.

Re: Chase CLI?

elim — Mon, 04 Jan 2016 14:19:56 GMT

I tried and failed asking for CLI with Chase. It resulted in Duplicate pulls the same day on EX (2 pulls for nothing).

I have had 3 auto CLI's from Chase so I just wait it out and when my profile improves, I app for different cards with higher CL's.

Re: Chase CLI?

lsutigers — Fri, 22 Jan 2016 15:19:28 GMT

I've had the slate ($500) cl and the freedom ($3k) cl both for around 2 years. Never have gotten an auto cli. Chase seems to be the only cards I have that ABSOLUTELY DO NOT grow with me. Scores are in the 716-730 range across the board

Re: Chase CLI?

Anonymous — Fri, 22 Jan 2016 17:56:37 GMT

Getting a cli with chase is too much trouble and they usually wont approve one even with HP, better off applying for a new card or hoping to get a big starting limit.

Only place worse i've found is Wells Fargo, took them 3 and a half years to give me a $700 cli on a $300 unsecured platinum card and that was AFTER A HP.

Re: Chase CLI?

lsutigers — Sat, 23 Jan 2016 14:52:58 GMT

I've called on several different occasions to see if I had an offer for a SP cli....no offers, I refuse to take a hit on credit report for a cli with chase

Re: Chase CLI?

Anonymous — Sat, 23 Jan 2016 15:56:51 GMT

@elim wrote:
I tried and failed asking for CLI with Chase. It resulted in Duplicate pulls the same day on EX (2 pulls for nothing).

I have had 3 auto CLI's from Chase so I just wait it out and when my profile improves, I app for different cards with higher CL's.

I agree with this generally. However in the OPs case I'd ask when you got your IHG (sorry if you said and I missed it) and what changes have happened on your credit file since then? The Chase co-branded cards have been known to offer much larger limits than Chase's own cards and if you've only gotten $3k on the IHG you might not get much more than that on a new co-branded card. In fact many are VS and have a $5k min so I'm not sure you could lower them to move CL without closing, so if you decide to go that route choose carefully.

Re: Chase CLI?

Anonymous — Sat, 23 Jan 2016 15:57:36 GMT

And the Amazon store card (Synchrony) trumps the Chase amazon card. If a larger limit for Amazon is what you want, I'd go for that.

Re: Chase CLI?

lsutigers — Wed, 27 Jan 2016 01:19:50 GMT

I agree. My amazon store card has a 5k limit

Re: Chase CLI?

Anonymous — Wed, 27 Jan 2016 01:29:58 GMT

i would see if your credit warrants apping for another chase card. grab the free $200 from the AARP card, and combine that with something else. Especially since chase can always be 1 or 2 inquiries it doesnt hurt to apply for 2-3 cards if your profile warrants it. dont recon or call in, as long as you call the automated app status line and it says 2 weeks u are good to go.

Re: Chase CLI?

Anonymous — Tue, 05 Apr 2016 18:24:42 GMT

Can you tell me how long you waited until you tried for the CLI and failed? 3 months, 6 months, etc? Thanks in advance.