topic Re: Chase Auto CLI pattern? in Credit Cards

Chase Auto CLI pattern?

Anonymous — Thu, 26 Oct 2017 13:54:53 GMT

So, I got Chase Freedom and Freedom Unlimited at the same time (applied for both in the same day).

My CL at that time for both is $1,000.

I have reluctantly been using both of them because Discover and CapOne QS bring me more cash back. I only use Chase cards when I forgot the other two.

This morning I notice a CLI for Freedom Unlimited to $2,000. Not a real big one because all my capOne and Discover credit line now is $9,000 and $20,000.

Note that only Chase Freedom Unlimited got the increase but not the Freedom. I wonder on what criteria do they base on to give us auto cli, because I have been using those Chase card in identical way with very limit spending on both.

Re: Chase Auto CLI pattern?

Anonymous — Thu, 26 Oct 2017 14:09:15 GMT

Congrats on the auto-CLI! Unfortunately they're not common enough with Chase to draw a pattern other than general high usage. I went from $500 to $1000 myself, but have seen people get increases from higher SL's as well.

Re: Chase Auto CLI pattern?

Anonymous — Thu, 26 Oct 2017 14:16:23 GMT

Based on two other recent posts & scattered data points on the forum it seems there is no clear discernable pattern. There are a few common details I've noticed but nothing I'd call a pattern - most people reporting an auto-cli occurring between 4 months to 1 year of opening account, typically use the card heavily with upwards of 50-70% usage, and they generally PIF.

That said there are plenty of outliers who don't fit these criteria - people report old cards suddenly getting a 1-2k boost after years of nothing, some report a cli with 60% util and medium sized payments. Most I'd say report never seeing one. It's a mixed bag.

My advice is don't expect to see one & plan your growth accordingly. My wife has a freedom & freedom unlimited and both are still at their opening limits from 5+ years ago. My CSP is the first chase card I've ever had & I'm planning to either open a Ritz card to fold the CL into the CSP or if I feel bold enough request a PC to sapphire reserve hoping that the HP cli gets me the $5k I'd need to meet the reserv's $10k min. I'll probably request HP cli first & see how high it gets me as I've got more of a aaoa problem than HP.

Re: Chase Auto CLI pattern?

AverageJoesCredit — Thu, 26 Oct 2017 14:28:26 GMT

Yeah no pattern . My only Chase card is Amazon and at $1500, i dont expect any auto love even though some with low limits do get one. Roll of the dice

Re: Chase Auto CLI pattern?

pizza1 — Thu, 26 Oct 2017 15:23:54 GMT

The only real clear data we have on auto's with Chase, and its not a guarantee, is folks who are using like 50%-90% of their CL each month. For example.. CL is $1k..they are using up to that limit every month, sometimes having to make multiple payments.

I would just use your cards, as you normally would, and see what happens 6-12 mo.

Re: Chase Auto CLI pattern?

Anonymous — Thu, 26 Oct 2017 15:26:39 GMT

Weird thing is that, I only use Chase cards around sub-$50 each month, pay the minimum, pif once in a while lol. $1,000 is pretty hard to use on anything and I am tired of having to micro-manage all the cards. It's amazon period for Discover right now as well...

Re: Chase Auto CLI pattern?

pizza1 — Thu, 26 Oct 2017 15:43:18 GMT

@Anonymous wrote:
Weird thing is that, I only use Chase cards around sub-$50 each month, pay the minimum, pif once in a while lol. $1,000 is pretty hard to use on anything and I am tired of having to micro-manage all the cards. It's amazon period for Discover right now as well...

ok, well then the only other options here are to A).call and take a HP for a CLI and risk only getting $500 min or none at all, or B) combine the limits.

I would personally go with "A" if it came down to it. Its just a HP, and some folks here make out to be like it a life and death situation to take a HP for something. If you want more of a CL, then call and take the HP. If you can wait it out, and you have other cards you can use, then do that.

Re: Chase Auto CLI pattern?

Anonymous — Thu, 26 Oct 2017 17:36:18 GMT

Gotta agree with pizza. Seems like a lot of folks give HP more weight than it deserves. Of course fewer are better but they aren't THAT bad, if anything I worry more about aaoa. I'm only considering combining limit because while I'm not afraid of the HP for a cli I just don't feel entirely confident a HP cli will net me the $5k I need to PC. Going to sit & think on it until at least the new year and my disco - NFCU - citi cli attempts.

Re: Chase Auto CLI pattern?

Anonymous — Fri, 27 Oct 2017 02:54:55 GMT

Not that I asked about whether I need to ask for CLI on my other card. It's just that Chase is really hard when it comes to CLI, but I got auto CLI without using the card that much, so I find it weird.

Re: Chase Auto CLI pattern?

Anonymous — Fri, 27 Oct 2017 04:13:41 GMT

Chase is weird. I've gotten two auto bumps both $500 and I use my card like crazy.

Re: Chase Auto CLI pattern?

Anonymous — Fri, 27 Oct 2017 18:08:25 GMT

Were the hard inquiries combined since you applied for both cards on the same day?

Re: Chase Auto CLI pattern?

Anonymous — Fri, 27 Oct 2017 19:01:04 GMT

I had 2 HPs.

Re: Chase Auto CLI pattern?

Anonymous — Thu, 02 Nov 2017 10:58:53 GMT

@pizza1 wrote:
@Anonymous wrote:
Weird thing is that, I only use Chase cards around sub-$50 each month, pay the minimum, pif once in a while lol. $1,000 is pretty hard to use on anything and I am tired of having to micro-manage all the cards. It's amazon period for Discover right now as well...
ok, well then the only other options here are to A).call and take a HP for a CLI and risk only getting $500 min or none at all, or B) combine the limits.

I would personally go with "A" if it came down to it. Its just a HP, and some folks here make out to be like it a life and death situation to take a HP for something. If you want more of a CL, then call and take the HP. If you can wait it out, and you have other cards you can use, then do that.

I'll probably do that once my 2016 summer of stupidity HP's fall off.

Re: Chase Auto CLI pattern?

Anonymous — Thu, 02 Nov 2017 20:42:11 GMT

I have no conclusive information on how or why, but here’s my experience with auto CLIs with my Chase Freedom Unlimited. To start, I opened it in April 2016 when it was first introduced and it’s my go-to card for every day purchases. I also have the AMEX BCP that I use for groceries and gas.

In April 2016 (upon opening), my credit limit was $3,000. My first increase was in August 2016 to $5,000. My second increase was in March 2017 to $7,500. My most recent increase was last month (closed on 10/27) to $15,000.

None of these were hard pulls as I did not initiate the increase. All of them were auto CLIs by Chase. Again, I use this card every day. I pay in full at the end of every month and frequently pay down my card before statement closing.

Of all the forums that I read, the general consensus is that Chase is tough when it comes to auto CLIs. But, my story shows that it’s possible. I imagine that you’ll find it harder to get these increases if you don’t use the card frequently.

Re: Chase Auto CLI pattern?

RadioRob — Fri, 03 Nov 2017 03:15:00 GMT

Chase CLI Strategy:

1) Obtain Magic 8-ball

2) Shake said Magic 8-ball vigorously

3) Ask "Magic 8-ball, will I get an automatic CLI from Chase?"

4) Pray

Re: Chase Auto CLI pattern?

Anonymous — Fri, 03 Nov 2017 07:03:56 GMT

Some data points:

Got my only chase card Slate, in April 16' with sl of 2,000. I was wanting a higher line for a balance transfer but still used it for around a 1,000 transfer. I hardly ever used it besides that and I have pced twice now. Slate -> FU -> Freedom. So in about a year and a half I have never gotten a cli, I even asked by private message if a non hp cli attempt was doable and they said no. Probably has a lot to do with the fact I never use it.

Re: Chase Auto CLI pattern?

Anonymous — Fri, 03 Nov 2017 20:17:58 GMT

I have the Amazo rewards visa and out of the blue it automatically went from $2000 to $4000 after having the card for eight months. Funny thing is I only put $250 a month on it in the bonus categories. Just a data point for everyone. I am a prime member. Maybe that has something to do with it.

Re: Chase Auto CLI pattern?

Anonymous — Fri, 03 Nov 2017 23:30:01 GMT

A little over a week ago I received an Auto-CLI of $1k from Chase on my Amazon Prime Rewards VS. I've had the card for about 10mths and used it infrequently when I received it at first. The past 2-3mths I've been putting about 20-30% of utilization onto the card and paying in full.

Re: Chase Auto CLI pattern?

Anonymous — Mon, 06 Nov 2017 19:08:30 GMT

UPDATE: Chase did do a HP for my Chase Sapphire Preferred. They pulled Experian and Equifax. Normally, I get notifications immediately after I have an inquiry, but these popped up the next day.

Re: Chase Auto CLI pattern?

Anonymous — Fri, 08 Dec 2017 05:29:52 GMT

I have both the Chase Freedom and Chase Freedom Unlimted cards. Applied for both back in May 2017 with SL of $4000 each. I have probably put about $1k on each card and pay on them monthly (one I paid off completely and used for Christmas shopping since I have about 10 months left of 0% APR.)

Anyways, I have not received an auto increase on either account. Not really wanting a HP to get a minimal CLI on these accounts. Just glad I have the available credit to use in case I need them. Congrats if you get an increase, but I wouldn't hold my breath waiting for one...