topic Re: How long before Chase auto CLI ? in Credit Cards

Tips for triggering auto CLI Chase Freedom?

Anonymous — Wed, 03 Jul 2019 23:33:06 GMT

I have had my Chase Freedom card for a year now and haven't received a CLI yet. As it stands it is my lowest credit limit at $3,000 and I've received 2 CLIs from Discover and 1 on 2 of my other card since opening the Freedom.

Is there anything that I can do that might help trigger a CLI? I don't mind carrying a balance or raising my utilization since I still have 3 months of 0% APR left and I responsibly budget all of my purchases.

Re: Tips for triggering auto CLI Chase Freedom?

wasCB14 — Thu, 04 Jul 2019 01:00:05 GMT

Are there any other personal Chase cards you like? Sometimes it can be better to get a new card and reallocate some CL than to apply for a HP CLI or hope for an automatic one.

I've had Freedom for nearly 6 years and have never gotten an auto CLI. I did take a HP for one around month 8 ($600 to $2k) and started getting several other Chase cards from months 14 to 24, reallocating some CL to Freedom at maybe month 20.

Now that my total Chase credit is around $45k, I don't exactly expect auto CLIs!

Re: Tips for triggering auto CLI Chase Freedom?

Anonymous — Thu, 04 Jul 2019 12:24:05 GMT

Your guess is as good as mine. I have frequent usage and plenty of cycles where my UTI is over 80%(although I don't let it report). Off the top of my head I don't know how many years that I have been with Chase but I have never received an auto CLI on anything. My Freedom is my last card remaining with them and I have been debating closing it for a long time but my yearly return is quite nice.

I typically cash in my rewards at the end of the year. I've capped the gas category in Q1, groceries from Q2, and will cap the gas again from this quarter. So I'm on pace to get the $75 per quarter for the 5%. The return is the only reason that I haven't closed it.

How long before Chase auto CLI ?

Anonymous — Sun, 07 Jul 2019 05:06:49 GMT

I have had my chase freedom and freedom unlimited now for just under a year. One is at $1,000 and another at $2,300. I have been spending on both of these cards consistently but have yet to receive an auto CLI. I really would like more credit with chase but just don’t want to take 2 hard pulls in order to get there.

Re: How long before Chase auto CLI ?

Anonymous — Sun, 07 Jul 2019 05:11:53 GMT

Auto CLI + Chase = sometimesif you reall

It's never a given that it will actually happen. If you're consistently hitting close to your limit there's a chance it will happen but, if you really need a higher CL then you're going to take the HP for either a CLI or a new account.

With a 1K/2300CL I'm guessing you were in the mid 6's for a score at the time of approval?

Has your score went up dramatically since the approval?

Have you opened additional cards since the approval?

What does your UTIL look llike with Chase and other lenders?

Re: How long before Chase auto CLI ?

Anonymous — Sun, 07 Jul 2019 05:28:11 GMT

Yeah my scores were 690’s and now it’s sitting around 740 I have opened many cards after my chase freedom and freedom unlimited I would say about 5. My chase cards I would usually have around 80% utilization and then pay in full I just don’t like being so close to my credit limit especially if I have to spend big one month.

Re: How long before Chase auto CLI ?

Anonymous — Sun, 07 Jul 2019 09:08:03 GMT

It sounds to me like your spend/payment pattern will eventually stimulate an auto-CLI from Chase. Nothing you can really do (outside of taking a HP) to make it happen any faster, so just continue using your cards naturally and wait it out. They should come though, as it would be a win-win for you and Chase.

Re: How long before Chase auto CLI ?

CreditInspired — Sun, 07 Jul 2019 12:57:35 GMT

@Anonymous wrote:
Yeah my scores were 690’s and now it’s sitting around 740 I have opened many cards after my chase freedom and freedom unlimited I would say about 5. My chase cards I would usually have around 80% utilization and then pay in full I just don’t like being so close to my credit limit especially if I have to spend big one month.

IMHO, since both Chase cards are <1yo and you’ve opened 5 more, your likelihood of getting an auto CLI is close to nil. This is just my 2 cents.

Re: How long before Chase auto CLI ?

CreditCuriosity — Sun, 07 Jul 2019 13:54:51 GMT

Could go either way.. I know I will never get one on any of my chase cards as I only use about 5% of any of my giving CL's on my cards, granted chase usually throws huge approvals at you if you income/profile support it and most will never come close to utilizing even 25% of their limits unless they are lower end like yours and at 690 approval surprising enough that really isnt a bad score for chase as alot more goes into what chase will approve you for than score such as income/utilization/do you own a house, etc, etc.

So long story short chase will give some auto CLI's although it is nothing like say discover where you can ask for one by SP CLI ever month or every 3 months. you can take a HP eventually for one if you dont see one in a few months or wait it out for something that might or might not happen. Have had my cards over 4+ years and never seen a dime, but I have a 30k csr which I use about 1-2k a month on a freedom that i use about 200-300 a month on a 5k limit and a 6k IHG card that is a card that I only use for a free night yearly and might or might not put my stay on it so I expect notta from them.

Re: How long before Chase auto CLI ?

AllCredit — Sun, 07 Jul 2019 14:01:52 GMT

I remember when I got my first Chase card (Amazon Prime Visa), and the banker said pay it off in full every month for 6mths...I did just that (using it regularly of course) and at month 6 I got an auto-CLI. I know it won't work for everyone like that but I hopefully it provides a little insight...

Re: How long before Chase auto CLI ?

Peteyglad — Sun, 07 Jul 2019 15:00:27 GMT

I have had probably 10 chase chass over the years and have only gotten 1 auto auto cli and it was at 6 months on my 2nd card with them.

Re: How long before Chase auto CLI ?

joltdude — Sun, 07 Jul 2019 15:23:24 GMT

Heh my Chase cards are at the same limits as when I opened them.. And one is barely over 5k and the other is barely under 5K... Annoyed at it since neither has enough to move CL to make them both at least 5k...

-J

Re: How long before Chase auto CLI ?

AverageJoesCredit — Sun, 07 Jul 2019 16:50:55 GMT

@Peteyglad wrote:
I have had probably 10 chase chass over the years and have only gotten 1 auto auto cli and it was at 6 months on my 2nd card with them.

Lol, maybe ask to trade in your chass fir some cards you might get better results😏

Re: How long before Chase auto CLI ?

Anonymous — Sun, 07 Jul 2019 23:48:38 GMT

We have a Chase Biz card and Freedom Card. At six months they auto cli the biz card. We pay in full. DW Freedom card started with $21.5K limit and my undertstanding this is very close to the max they allow on that card. It is only a few months old.

Re: How long before Chase auto CLI ?

kdm31091 — Mon, 08 Jul 2019 01:22:31 GMT

Nobody can say how long it will be. Auto CLIs do not happen on a schedule and there isn't much you can do to prompt one outside of just using your account, paying it and keeping it in good standing. To me, if you really want a CLI, it's better to just ask for one than waiting for something that may never happen. Chase isn't really known for CLI results no matter what, whether it's auto or HP request. They just aren't big on giving increases in many cases.

Re: How long before Chase auto CLI ?

SouthJamaica — Mon, 08 Jul 2019 01:31:59 GMT

@AllCredit wrote:
I remember when I got my first Chase card (Amazon Prime Visa), and the banker said pay it off in full every month for 6mths...I did just that (using it regularly of course) and at month 6 I got an auto-CLI. I know it won't work for everyone like that but I hopefully it provides a little insight...

I've done exactly that with all 3 of my Chase cards (including Amazon Prime) for the past 2 1/2 years and have never gotten an auto CLI or any other kind of CLI on any of them.

It's my understanding that auto CLI's from Chase are pretty rare.

Re: How long before Chase auto CLI ?

SoCalifornia — Mon, 08 Jul 2019 04:13:04 GMT

YMMV. However, contrary to what some say about Chase, there is a synergy there. The more I am loyal and the less I think about it- the more CLI emerges. I see at least one CLI on each card a year and have yet to ask for one.

Re: How long before Chase auto CLI ?

Gunnerboy — Mon, 08 Jul 2019 04:22:02 GMT

Have had my Amazon Prime Rewards for nearly two years, still hoping for an auto CLI. Monthly AMZ spend, while PIF. Compared to my BofA, where I put less spend on, gave me auto-luv after twelve-months.

Re: How long before Chase auto CLI ?

barthooper — Mon, 08 Jul 2019 14:47:00 GMT

Just got an auto CLI on my Reserve. I was wondering the same as OP since It's now been a year of having the card. Either the card anniversary triggered it in my case or letting the largest statement balance so far cut. Limit was 15k and I let about 6500 cut and they upped it to 19.5k without so much as a notification or email. Maybe a snail mail letter is coming.

Re: How long before Chase auto CLI ?

SoCalifornia — Mon, 08 Jul 2019 15:13:27 GMT

@barthooper wrote:
Just got an auto CLI on my Reserve. I was wondering the same as OP since It's now been a year of having the card. Either the card anniversary triggered it in my case or letting the largest statement balance so far cut. Limit was 15k and I let about 6500 cut and they upped it to 19.5k without so much as a notification or email. Maybe a snail mail letter is coming.

Nope, that's Chase for you. Aside from the existing limit and it showing in your account- they won't so much as even acknowledge that it happened, lol. It's hush-hush