topic Re: Chase experts inside please (CLI ?) in Credit Cards

Chase experts inside please (CLI ?)

Superpet39 — Thu, 14 Apr 2016 00:32:54 GMT

both my freedom ($2000 CL), and Slate ($2200 CL) are 6 months old now.....

would it be ok if I asked for a CLI today? (since I was approved for the Marriott card today)...on the freedom (I'm assuming I can't ask for both cards)

if they say no.... Do I have options in moving credit around (CSP-5k CL, Marriott 5k CL)

also so what's the best way to ask (sm, or call, and if call, which phone number)

(I never use the slate..... I use the freedom HEAVY... Like 70-95% of limit.... Then PIF as soon as it hits)

also the CSP is at about 40% (I'm waiting for the 1st bill to cut to PIF) should I PIF before I ask for the CLI or is it ok? (The other cards all are at 0 right now)

Re: Chase experts inside please (CLI ?)

Anonymous — Thu, 14 Apr 2016 01:20:11 GMT

Remember, the CLI will be a hardpull. I caution you that if the Marriot was just approved today based on your threads started then don't go moving limits from it. To request a CLI, you can just send them a secure message and they will review your cards and see if you qualify for a CLI.

Re: Chase experts inside please (CLI ?)

Superpet39 — Thu, 14 Apr 2016 01:37:20 GMT

@Anonymous wrote:
Remember, the CLI will be a hardpull. I caution you that if the Marriot was just approved today based on your threads started then don't go moving limits from it. To request a CLI, you can just send them a secure message and they will review your cards and see if you qualify for a CLI.

At this point.... Hard pulls don't really take down my score the way it used to lol...... So what I gather is.... DONT touch the CL from the Marriott, send them an SM regarding a CLI? But is there a particular card I should enquire about.... Or just ask if I qualify for a CLI and let them review my whole account?

Just checking to see what proper protocol is that's all, as I've never requested a CLI before.

Re: Chase experts inside please (CLI ?)

Anonymous — Thu, 14 Apr 2016 01:43:54 GMT

keep in mind the CSP and the marriott are already at their lowest CL so you can't really take from them.

Re: Chase experts inside please (CLI ?)

Anonymous — Thu, 14 Apr 2016 02:18:15 GMT

How long have you had these Chase cards with the exception of the Marriot as it was approved today?

Re: Chase experts inside please (CLI ?)

thummel — Thu, 14 Apr 2016 02:22:49 GMT

If you don't use slate you can either transfer from it leaving 500 on it to keep it at least open or close it all together. You don't really have any other cards to transfer from unless you wanted to close them then that might be a different story but I wouldn't recommend that.Some stats might be useful to determine where you sit right now. You could be at max exposure for all we know.

Re: Chase experts inside please (CLI ?)

Creditaddict — Thu, 14 Apr 2016 04:01:45 GMT

1. Just move the limit from Slate to Freedom if that's what you use all the time and close slate out.

2. You can take from Marriott if you want... that limit can go down lower than $5k (most people don't realize that)

3. I probably wouldn't bother with the CLI request.

Re: Chase experts inside please (CLI ?)

red259 — Thu, 14 Apr 2016 04:52:44 GMT

@Superpet39 wrote:
both my freedom ($2000 CL), and Slate ($2200 CL) are 6 months old now.....

would it be ok if I asked for a CLI today? (since I was approved for the Marriott card today)...on the freedom (I'm assuming I can't ask for both cards)

if they say no.... Do I have options in moving credit around (CSP-5k CL, Marriott 5k CL)

also so what's the best way to ask (sm, or call, and if call, which phone number)

(I never use the slate..... I use the freedom HEAVY... Like 70-95% of limit.... Then PIF as soon as it hits)

also the CSP is at about 40% (I'm waiting for the 1st bill to cut to PIF) should I PIF before I ask for the CLI or is it ok? (The other cards all are at 0 right now)

I'd give it another month or two and I would PIF the freedom card and let it cool off with your spend for a cycle. Maybe they will look at you for an auto cli. With brand new chase cards at the min credit lines I'm not too optimistic about your chances, so I wouldn't waste a HP until you age those other accounts a bit.

Re: Chase experts inside please (CLI ?)

Superpet39 — Thu, 14 Apr 2016 05:23:03 GMT

@Anonymous wrote:
How long have you had these Chase cards with the exception of the Marriot as it was approved today?

As previously stated: the slate and freedom are both 6 months old (the slate is 6 1/2 months), the CSP is ALMOST a month old.

Re: Chase experts inside please (CLI ?)

Superpet39 — Thu, 14 Apr 2016 05:24:08 GMT

@Anonymous wrote:
keep in mind the CSP and the marriott are already at their lowest CL so you can't really take from them.

I actually didn't know that. Thx

Re: Chase experts inside please (CLI ?)

Superpet39 — Thu, 14 Apr 2016 05:27:08 GMT

@red259 wrote:
@Superpet39 wrote:
both my freedom ($2000 CL), and Slate ($2200 CL) are 6 months old now.....

would it be ok if I asked for a CLI today? (since I was approved for the Marriott card today)...on the freedom (I'm assuming I can't ask for both cards)

if they say no.... Do I have options in moving credit around (CSP-5k CL, Marriott 5k CL)

also so what's the best way to ask (sm, or call, and if call, which phone number)

(I never use the slate..... I use the freedom HEAVY... Like 70-95% of limit.... Then PIF as soon as it hits)

also the CSP is at about 40% (I'm waiting for the 1st bill to cut to PIF) should I PIF before I ask for the CLI or is it ok? (The other cards all are at 0 right now)
I'd give it another month or two and I would PIF the freedom card and let it cool off with your spend for a cycle. Maybe they will look at you for an auto cli. With brand new chase cards at the min credit lines I'm not too optimistic about your chances, so I wouldn't waste a HP until you age those other accounts a bit.

All the cards are at 0 except for the CSP ( I'm halfway to the spend requirement!)... I think you meant to PIF that card.

Re: Chase experts inside please (CLI ?)

Creditaddict — Thu, 14 Apr 2016 05:27:29 GMT

No, Marriott can go to $2k

Re: Chase experts inside please (CLI ?)

Superpet39 — Thu, 14 Apr 2016 05:29:30 GMT

@Creditaddict wrote:
No, Marriott can go to $2k

What about the CSP? (Don't plan on touching it, just wanted to know)

Re: Chase experts inside please (CLI ?)

Creditaddict — Thu, 14 Apr 2016 05:32:49 GMT

No, CSP is $5k min

Re: Chase experts inside please (CLI ?)

takeshi74 — Thu, 14 Apr 2016 13:20:32 GMT

@Superpet39 wrote:
would it be ok if I asked for a CLI today?

You can always request one as long as you're willing to incur the hard pull. Whether or not you qualify is an entirely separate matter and we cannot tell you that. Many find they have no luck with customer initiaited CLI requests but some do get them. If Chase likes someone's credit profile then that person will probably get auto CLI's based on what I've seen. I've never received any CLI's from them but my wife has been auto CLI'ed a number of times.

@Superpet39 wrote:
also so what's the best way to ask (sm, or call, and if call, which phone number)

Whatever you prefer.

@Superpet39 wrote:
also the CSP is at about 40% (I'm waiting for the 1st bill to cut to PIF) should I PIF before I ask for the CLI or is it ok? (The other cards all are at 0 right now)

It's never just a matter of the account itself but your entire credit profile and income. What's currently indicated on your reports?

Re: Chase experts inside please (CLI ?)

Closingracer99 — Thu, 14 Apr 2016 13:51:13 GMT

@Superpet39 wrote:
both my freedom ($2000 CL), and Slate ($2200 CL) are 6 months old now.....

would it be ok if I asked for a CLI today? (since I was approved for the Marriott card today)...on the freedom (I'm assuming I can't ask for both cards)

if they say no.... Do I have options in moving credit around (CSP-5k CL, Marriott 5k CL)

also so what's the best way to ask (sm, or call, and if call, which phone number)

(I never use the slate..... I use the freedom HEAVY... Like 70-95% of limit.... Then PIF as soon as it hits)

also the CSP is at about 40% (I'm waiting for the 1st bill to cut to PIF) should I PIF before I ask for the CLI or is it ok? (The other cards all are at 0 right now)

A) CLI's are HP's.

B) Why do you have a Slate? That card is only useful if you know you want to do a BT since it has a 15 month 0% APR along with a $0 BT fee within the first 60 days ....

Re: Chase experts inside please (CLI ?)

Closingracer99 — Thu, 14 Apr 2016 13:53:09 GMT

@Anonymous wrote:
keep in mind the CSP and the marriott are already at their lowest CL so you can't really take from them.

Wrong. You can make the CSP and Marriott card have $500 limit eash if you wanted to and move the $9,000 to the Freedom.... They have a min $5k CL with chase but you can lower it. I made the CS which is also a siggy with Chase so it has a Min $5k and lowered it to $4,500 and move that $500 to my Amazon Visa.

Re: Chase experts inside please (CLI ?)

Closingracer99 — Thu, 14 Apr 2016 13:55:04 GMT

@Creditaddict wrote:
No, CSP is $5k min

Na I lowered my CSP below $5k when I had the card.

Re: Chase experts inside please (CLI ?)

Superpet39 — Thu, 14 Apr 2016 14:36:10 GMT

Whatever you prefer.

It's never just a matter of the account itself but your entire credit profile and income. What's currently indicated on your reports?

$75k/yr

Re: Chase experts inside please (CLI ?)

fittiger — Thu, 14 Apr 2016 14:40:02 GMT

I would be hesitant requesting a CLI. Chase has given you 4 new accounts in a 6 mo time frame. If they thought your profile supported higher limits, you most likely would have gotten a higher limit on the recent Marriott account.

Lots of threads on here indicate Chase has closed all of some peoples accounts when requesting too much credit in a short period of time on suspicion of fraud. It would suck to have the CSP and Marriott closed and not even get the sign up bonuses.

If you go poking the bear, you might not like the outcome.