topic Re: Chase Freedom CLI in Credit Cards

Chase Freedom CLI

Anonymous — Sun, 24 Jan 2016 05:06:07 GMT

Just got the Chase Freedom a couple days ago, Im wandering how long until they give me a credit line increase without a HP, Capital one gave me an increase from $500 to $4500 after 5 months and am wandering if Chase works the same way??

Thanks...first post here

Re: Chase Freedom CLI

Discover2016 — Sun, 24 Jan 2016 05:11:05 GMT

@Anonymous wrote:
Just got the Chase Freedom a couple days ago, Im wandering how long until they give me a credit line increase without a HP, Capital one gave me an increase from $500 to $4500 after 5 months and am wandering if Chase works the same way??
Thanks...first post here

Welcome to the forum! From what I have seen, it's usually like the 6th month or so, some have recieved one earlier like at 4 months. I just got an auto CLI after only having the card 4 months, it's a Ritz card though.

Re: Chase Freedom CLI

Anonymous — Sun, 24 Jan 2016 06:10:40 GMT

It's a YMMV area. I've had mine for two years without an auto or SP CLI. I got a HP CLI after about 8 months.

Re: Chase Freedom CLI

Anonymous — Mon, 25 Jan 2016 22:59:12 GMT

@Anonymous wrote:
Just got the Chase Freedom a couple days ago, Im wandering how long until they give me a credit line increase without a HP, Capital one gave me an increase from $500 to $4500 after 5 months and am wandering if Chase works the same way??
Thanks...first post here

Chase is notoriously hard in giving CLI's. Do a search of myfico and you'll find many people recommending apping for another card and moving the credit limit. I have had my Freedom since July 18 2015 so going on my 7th statement and haven't seen a CLI but but I don't mind. I did get one on my CSP after my 4th statement. I got the CSP on the same day as my Freedom.

Re: Chase Freedom CLI

TURNERHOOVER — Mon, 25 Jan 2016 23:14:49 GMT

Recieved a 1k SP CLI on freedom three months after opening the account, nothing since. At the time the card had a 1700 balance. Go figure.

Re: Chase Freedom CLI

Anonymous — Tue, 02 Feb 2016 22:06:06 GMT

@TURNERHOOVER wrote:
Recieved a 1k SP CLI on freedom three months after opening the account, nothing since. At the time the card had a 1700 balance. Go figure.

I'm curious, what was your SL?

Re: Chase Freedom CLI

Anonymous — Wed, 17 Feb 2016 02:16:51 GMT

starting limit is $2200 want more though!

Re: Chase Freedom CLI

Closingracer99 — Wed, 17 Feb 2016 02:19:11 GMT

Just apply for a new card and ideally a CSP, Marriott or something else and move the limits. If you dont want to close the card apply for the CSP and PC it to a CS which has no AF

Re: Chase Freedom CLI

ScoreOrBeScored — Wed, 17 Feb 2016 03:46:15 GMT

here is my experience

March 2015 - APRROVED with $3k SL

June. 2015 - Auto cli of $1

january 2016 - Requested a HP cli via CSR . Ask fo $20k and was approved $20k

just know chase does give out good cli upon request. I'm currently not interested in any other of their products so I

wasnt gonna app a card just for the SL and mmove limits around. do what's best for you. Everyone situation is different.

P.S. My cli request wasn't instant.mit got sent over to Analyst. I never called and rode it out. Took almost 2 weeks.

The new limit shows up on my account.

Re: Chase Freedom CLI

Closingracer99 — Wed, 17 Feb 2016 03:25:44 GMT

@ScoreOrBeScored wrote:
here is my experience

March 2015 - APRROVED with $3k SL
June. 2015 - Auto cli of $1
january 2016 - Requested a HP cli via CSR . Ask fo $20k and was approved $20k

just know chase does give out good cli upon request. I'm currently nit interested in any other of their products so I
wasnt gonna app a card just for the SL and mibe it around.m it do what's best for you. Everyone situation is different.

P.S. My cli request wasn't instant.mit got sent over to Analyst. I never called and rode it out. Took almost 2 weeks.
The new limit shoes up on my account.

Please use spell check

If you're going to ask for a HP might as well ask for another card....

Re: Chase Freedom CLI

ScoreOrBeScored — Wed, 17 Feb 2016 03:44:46 GMT

Like I said , Chase has no cards Im Interested in at the moment so opening a new card

is not always the answer. I did just as good or better by asking for a cli and not opening a new

account. Everyone agenda isn't like yours.

Re: Chase Freedom CLI

Anonymous — Wed, 17 Feb 2016 03:54:54 GMT

@ScoreOrBeScored wrote:
Like I said , Chase has no cards Im Interested in at the moment so opening a new card

is not always the answer. I did just as good or better by asking for a cli and not opening a new

account. Everyone agenda isn't like yours.

$20K on a Freedom is a good deal, congrats. From what most have shared, including my own experience, other cards like the CSP or any of their annual fee cards more often come with bigger limits than the Freedom.

Re: Chase Freedom CLI

Closingracer99 — Wed, 17 Feb 2016 03:57:22 GMT

@ScoreOrBeScored wrote:
Like I said , Chase has no cards Im Interested in at the moment so opening a new card

is not always the answer. I did just as good or better by asking for a cli and not opening a new

account. Everyone agenda isn't like yours.

You're also assuming you're going to get at least more than $5,000 CLI... Applying for the CSP or Marriott card will get you at LEAST $5,000 so you can simply apply for the card- wait 30 days and than move the whole limit to the freedom or move everything but $500 and close it. You can ask for a CLI but you can get a $500 increase or none at all. This is nothing about an agenda but just facts. Why bother with a HP when you don't have any possible clue in how much they will get you.

Re: Chase Freedom CLI

ScoreOrBeScored — Wed, 17 Feb 2016 04:01:42 GMT

@Closingracer99 wrote:
@ScoreOrBeScored wrote:
Like I said , Chase has no cards Im Interested in at the moment so opening a new card

is not always the answer. I did just as good or better by asking for a cli and not opening a new

account. Everyone agenda isn't like yours.
You're also assuming you're going to get at least more than $5,000 CLI... Applying for the CSP or Marriott card will get you at LEAST $5,000 so you can simply apply for the card- wait 30 days and than move the whole limit to the freedom or move everything but $500 and close it. You can ask for a CLI but you can get a $500 increase or none at all. This is nothing about an agenda but just facts. Why bother with a HP when you don't have any possible clue in how much they will get you.

Sorry, but I refuse to have a card on my report with a $500 limit... So sorry but that's not the way my file is set up. I'm pass having $500 limits showing .

some of us have standards. Obviously standards that's higher than yours . What works for some don't work for others .

Re: Chase Freedom CLI

AAstra — Wed, 17 Feb 2016 04:04:45 GMT

I was given a $7,000 starting limit in March of 2014 and only recently got to $9,500 because I asked about a CLI. I was told I could have a $2,500 bump with no hard pull or state the increase I wanted but it would require a hard pull and potential counter offer depending on the results.

Re: Chase Freedom CLI

Closingracer99 — Wed, 17 Feb 2016 04:08:27 GMT

@ScoreOrBeScored wrote:
@Closingracer99 wrote:
@ScoreOrBeScored wrote:
Like I said , Chase has no cards Im Interested in at the moment so opening a new card

is not always the answer. I did just as good or better by asking for a cli and not opening a new

account. Everyone agenda isn't like yours.
You're also assuming you're going to get at least more than $5,000 CLI... Applying for the CSP or Marriott card will get you at LEAST $5,000 so you can simply apply for the card- wait 30 days and than move the whole limit to the freedom or move everything but $500 and close it. You can ask for a CLI but you can get a $500 increase or none at all. This is nothing about an agenda but just facts. Why bother with a HP when you don't have any possible clue in how much they will get you.
Sorry, but I refuse to have a card on my report with a $500 limit... So sorry but that's not the way my file is set up. I'm pass having $500 limits showing .

some of us have standards. Obviously standards that's higher than yours . What works for some don't work for others .

Standards? lol? Higher then mine? You don't know squat about me. This is credit and credit alone is a luxury ,.... I have around $110,000 in Credit through all my cards.

As I said before you can easily only get a $500 CLI from chase but a Visa siggy card from chase will get you at least $5,000 and you can easily relloacte the whole limit to the Freedom. All this would do is hurt your AAoA.

Re: Chase Freedom CLI

Anonymous — Wed, 17 Feb 2016 04:07:59 GMT

@ScoreOrBeScored wrote:
@Closingracer99 wrote:
@ScoreOrBeScored wrote:
Like I said , Chase has no cards Im Interested in at the moment so opening a new card

is not always the answer. I did just as good or better by asking for a cli and not opening a new

account. Everyone agenda isn't like yours.
You're also assuming you're going to get at least more than $5,000 CLI... Applying for the CSP or Marriott card will get you at LEAST $5,000 so you can simply apply for the card- wait 30 days and than move the whole limit to the freedom or move everything but $500 and close it. You can ask for a CLI but you can get a $500 increase or none at all. This is nothing about an agenda but just facts. Why bother with a HP when you don't have any possible clue in how much they will get you.
Sorry, but I refuse to have a card on my report with a $500 limit... So sorry but that's not the way my file is set up. I'm pass having $500 limits showing .

some of us have standards. Obviously standards that's higher than yours . What works for some don't work for others .

Pretty sure more weight is given to your overall credit line and current average credit line by lenders, not the limit of closed cards?

Re: Chase Freedom CLI

ScoreOrBeScored — Wed, 17 Feb 2016 04:26:51 GMT

@Closingracer99 wrote:
@ScoreOrBeScored wrote:
@Closingracer99 wrote:
@ScoreOrBeScored wrote:
Like I said , Chase has no cards Im Interested in at the moment so opening a new card

is not always the answer. I did just as good or better by asking for a cli and not opening a new

account. Everyone agenda isn't like yours.
You're also assuming you're going to get at least more than $5,000 CLI... Applying for the CSP or Marriott card will get you at LEAST $5,000 so you can simply apply for the card- wait 30 days and than move the whole limit to the freedom or move everything but $500 and close it. You can ask for a CLI but you can get a $500 increase or none at all. This is nothing about an agenda but just facts. Why bother with a HP when you don't have any possible clue in how much they will get you.
Sorry, but I refuse to have a card on my report with a $500 limit... So sorry but that's not the way my file is set up. I'm pass having $500 limits showing .

some of us have standards. Obviously standards that's higher than yours . What works for some don't work for others .
Standards? lol? Higher then mine? You don't know squat about me. This is credit and credit alone is a luxury ,.... I have around $110,000 in Credit through all my cards.

As I said before you can easily only get a $500 CLI from chase but a Visa siggy card from chase will get you at least $5,000 and you can easily relloacte the whole limit to the Freedom. All this would do is hurt your AAoA.

Exactly.......mjust your AAoA..... Everyone isn't wanting to take a hit on that. Some just would like to take a HP than to mess with their AAoA.. Yes I know I don't know you

and truth be told, I don't want to know you. OP was simply trying to get peoples experience with getting a cli on their freedom card.

im sure someone on the board will be more than happy to get you a cookie for having $110k limits across your cards.

Just st share your experience with OP and keep it moving please.

Re: Chase Freedom CLI

myjourney — Wed, 17 Feb 2016 04:41:23 GMT

Some bordline post in this thread let's all remian friendly

Thnaks MJ

Re: Chase Freedom CLI

FinStar — Wed, 17 Feb 2016 17:22:30 GMT

@Closingracer99 wrote:
@ScoreOrBeScored wrote:
@Closingracer99 wrote:
@ScoreOrBeScored wrote:
Like I said , Chase has no cards Im Interested in at the moment so opening a new card

is not always the answer. I did just as good or better by asking for a cli and not opening a new

account. Everyone agenda isn't like yours.
You're also assuming you're going to get at least more than $5,000 CLI... Applying for the CSP or Marriott card will get you at LEAST $5,000 so you can simply apply for the card- wait 30 days and than move the whole limit to the freedom or move everything but $500 and close it. You can ask for a CLI but you can get a $500 increase or none at all. This is nothing about an agenda but just facts. Why bother with a HP when you don't have any possible clue in how much they will get you.
Sorry, but I refuse to have a card on my report with a $500 limit... So sorry but that's not the way my file is set up. I'm pass having $500 limits showing .

some of us have standards. Obviously standards that's higher than yours . What works for some don't work for others .
Standards? lol? Higher then mine? You don't know squat about me. This is credit and credit alone is a luxury ,.... I have around $110,000 in Credit through all my cards.

As I said before you can easily only get a $500 CLI from chase but a Visa siggy card from chase will get you at least $5,000 and you can easily relloacte the whole limit to the Freedom. All this would do is hurt your AAoA.

Ok, this isn't about a contest or just to determine whose apendage is the largest.

Keep in mind that your strategy is not ideal for individuals who do not want to open additional cards with Chase much no different than someone advertising opening 5 Capital One cards to pad utilization. Believe me, there are individuals that do not want to tank their AAoA. These can benefit some people, sure, but it is not for everyone.

Now, that being said, I have qualified for several high CLIs from Chase. For instance just a few months ago, my Ritz CC went from $20K to $40K with a HP and I also received a CSP auto-CLI to $26,500. If the overall profile supports the CLI, individuals can get them - the amount will vary. Not sure where you've seen that every CLI (or most) only end up being $500 or insignificant but the individual would need to make that choice whether they risk a HP for another card (with no guarantee of approval) or a HP for CLI (with no guarantee of the CLI or at least a nominal amount). Everyone's profile and outcomes will differ.

Just my .02c