topic Re: Chase CLI - no more HP! in Credit Cards

Chase CLI - no more HP!

Blender — Wed, 01 Mar 2023 16:24:47 GMT

Confirmed by a banker this morning, as of last week.

I know some posters recently mentioned success from the app, but the banker said if you call in and ask, it is now just a SP.

Post your successes here, good luck!

Re: Chase CLI - no more HP!

Remedios — Wed, 01 Mar 2023 16:37:06 GMT

Why call when the option is already in the app/website?

Calling won't produce a different outcome when compared to doing it online - one is either eligible or not 🤷‍♀️

Re: Chase CLI - no more HP!

Blender — Wed, 01 Mar 2023 17:25:32 GMT

@Remedios wrote:
Why call when the option is already in the app/website?
Calling won't produce a different outcome when compared to doing it online - one is either eligible or not 🤷‍♀️

Just mentioning that calling is not a HP either, since I recently saw someone who posted about the CSR said it would be a HP.

Re: Chase CLI - no more HP!

Remedios — Wed, 01 Mar 2023 17:35:06 GMT

@Blender wrote:
@Remedios wrote:
Why call when the option is already in the app/website?
Calling won't produce a different outcome when compared to doing it online - one is either eligible or not 🤷‍♀️
Just mentioning that calling is not a HP either, since I recently saw someone who posted about the CSR said it would be a HP.

It is a HP if SP is not available.

So, if app says no soup for you, CSR will get same automated response when one calls, the only way to proceed would be via HP .

But, if peeps wanna sit on hold ...

Re: Chase CLI - no more HP!

CYBERSAM — Wed, 01 Mar 2023 17:37:59 GMT

@Blender wrote:
@Remedios wrote:
Why call when the option is already in the app/website?
Calling won't produce a different outcome when compared to doing it online - one is either eligible or not 🤷‍♀️
Just mentioning that calling is not a HP either, since I recently saw someone who posted about the CSR said it would be a HP.

This is actually good to know that they have changed their policies regarding CLIs.

Now the question is, how often can you request CLI?

I have 2 CCs that are under a year and no CLI option!

Re: Chase CLI - no more HP!

jojo79 — Wed, 01 Mar 2023 17:52:58 GMT

@Blender wrote:
Confirmed by a banker this morning, as of last week.

I know some posters recently mentioned success from the app, but the banker said if you call in and ask, it is now just a SP.

Post your successes here, good luck!

I can confirm this... just called for my CSP and the rep did say it is now a SP for CLI requests; your reports need to be thawed/open though. Unfortunately it was no soup for me so I'll wait to see what the letter says when it shows up.

I asked if there was waiting period between requests, put me on hold and came back saying there's no set period; ask as many times as you'd like.

I did open up my reports (she did say they would use EX but asked I open all just in case), and no HP.

Re: Chase CLI - no more HP!

Rogue46 — Wed, 01 Mar 2023 18:44:19 GMT

@CYBERSAM

So in my case I show the request CLI button in the app does that mean I'm eligible?

Re: Chase CLI - no more HP!

Blender — Wed, 01 Mar 2023 20:15:56 GMT

@Remedios wrote:
@Blender wrote:
@Remedios wrote:
Why call when the option is already in the app/website?
Calling won't produce a different outcome when compared to doing it online - one is either eligible or not 🤷‍♀️
Just mentioning that calling is not a HP either, since I recently saw someone who posted about the CSR said it would be a HP.
It is a HP if SP is not available.
So, if app says no soup for you, CSR will get same automated response when one calls, the only way to proceed would be via HP .

But, if peeps wanna sit on hold ...

the whole point of this post was to inform that Chase has shifted to not doing HP for CLI. Which route you take isn't the point here. Im not recommending either track, app or by phone, and I'm not saying if you do one and get denied try the other. For what it's worth, my wait time was 0 seconds.

Re: Chase CLI - no more HP!

Blender — Wed, 01 Mar 2023 20:19:24 GMT

@jojo79 wrote:
@Blender wrote:
Confirmed by a banker this morning, as of last week.

I know some posters recently mentioned success from the app, but the banker said if you call in and ask, it is now just a SP.

Post your successes here, good luck!
I can confirm this... just called for my CSP and the rep did say it is now a SP for CLI requests; your reports need to be thawed/open though. Unfortunately it was no soup for me so I'll wait to see what the letter says when it shows up.
I asked if there was waiting period between requests, put me on hold and came back saying there's no set period; ask as many times as you'd like.

I did open up my reports (she did say they would use EX but asked I open all just in case), and no HP.

2/3 of mine are locked (not experian). I am currently showing a 1366/1500 balance (0% until 12/23) so maybe thats why I was also denied. My CFF is just shy of 8 months old.

Thanks for your DPs!

Re: Chase CLI - no more HP!

CYBERSAM — Wed, 01 Mar 2023 21:09:07 GMT

@Rogue46 wrote:
@CYBERSAM
So in my case I show the request CLI button in the app does that mean I'm eligible?

I have the same thing, but no CLI available for me!
It asks to update income for future and then it takes me to a Approval page with 5 other Chase cards!

Not that I want CLI on my 2 cards, just to see what and if they offer is available!

Re: Chase CLI - no more HP!

CreditMarathoner — Wed, 01 Mar 2023 21:02:06 GMT

I'm a bit confused.

Historically, calling Chase and requesting a CLI would always result in a hard pull.

More recently, they added a "request CLI" link in the website/app, and if you have a pre-approved "CLI offer" waiting, you can receive one without an HP. But many here have reported no success with this, myself included... it always says none are available.

Now in this topic, I'm reading that you can call in and request a CLI and have it be SP? But... is it just that they're looking to see if you have a pre-approved offer waiting, they'll give it to you without the HP, the same as if you used the website, or are actual requests for CLIs soft pull now?

I wonder if what happens is, you call, they look for pre-approved offers, if you have one, they give it to you without a HP, but if you don't have one, they would then do a HP and go through the approval process for a CLI?

I also wonder if the reason I never can get a CLI through the website is because my reports are frozen? I wonder if I unfreeze would I then get an offer? I'd hate to do this and then get a hard pull.

Re: Chase CLI - no more HP!

Yasselife — Wed, 01 Mar 2023 21:12:45 GMT

Re: Chase CLI - no more HP!

Gregory1776 — Thu, 02 Mar 2023 00:03:38 GMT

No luck for me. Update my income. My spending on the card rarely hits 10% UTL let alone 5% and I'm at 22K. That's enough for me but if it were available I'd take another 3K.

Re: Chase CLI - no more HP!

CreditMarathoner — Thu, 02 Mar 2023 00:05:34 GMT

@Yasselife wrote:

This is what I always see too. I've updated my income over the years, no dice. Probably because my income increases less than 3% a year. Really no point in "updating" it.

Re: Chase CLI - no more HP!

StephenH — Thu, 02 Mar 2023 01:21:43 GMT

@Yasselife wrote:

Same message on DWs accounts; all 4 of them lol. Called CSR and was advised that it would be a HP for CLI, but she did end up PC her Slate to Freedom Unlimited.

Re: Chase CLI - no more HP!

jojo79 — Thu, 02 Mar 2023 03:03:02 GMT

All I can speak to is confirming the OP, based on my experience today. Per the CSR, calling in for a CLI is now a soft pull. I too have received the same message about not being eligible when trying online, but the rep was able to try the request for me, asking the usual questions about income, housing etc.

Again, confirmed by the rep that no hard pull would occur for a CLI.

Best of luck.

Re: Chase CLI - no more HP!

CYBERSAM — Thu, 02 Mar 2023 03:16:41 GMT

@jojo79 wrote:
All I can speak to is confirming the OP, based on my experience today. Per the CSR, calling in for a CLI is now a soft pull. I too have received the same message about not being eligible when trying online, but the rep was able to try the request for me, asking the usual questions about income, housing etc.

Again, confirmed by the rep that no hard pull would occur for a CLI.

Best of luck.

So did you get CLI or not?

Re: Chase CLI - no more HP!

nytokyobred79 — Thu, 02 Mar 2023 04:08:13 GMT

@Blender wrote:
@Remedios wrote:
Why call when the option is already in the app/website?
Calling won't produce a different outcome when compared to doing it online - one is either eligible or not 🤷‍♀️
Just mentioning that calling is not a HP either, since I recently saw someone who posted about the CSR said it would be a HP.

I posted last week about getting CLIs on both my Chase cards. And as you mention, the rep on the phone said it would be an hp but in the end, I didn't get an hp for either of the 2 requests. So it does seem to be an sp now if eligible and that's great considering the CLIs I was able to receive.

Thanks for this update bc I was waiting for those 2 hps to appear but never came.

Re: Chase CLI - no more HP!

jojo79 — Thu, 02 Mar 2023 04:14:30 GMT

@CYBERSAM wrote:
@jojo79 wrote:
All I can speak to is confirming the OP, based on my experience today. Per the CSR, calling in for a CLI is now a soft pull. I too have received the same message about not being eligible when trying online, but the rep was able to try the request for me, asking the usual questions about income, housing etc.

Again, confirmed by the rep that no hard pull would occur for a CLI.

Best of luck.
So did you get CLI or not?

I didn't, it was a denial for me. I'm waiting for the letter in the mail to see what the reason was. The rep couldn't tell me over the phone.

In any event, it's good news that no HP needed now.

Re: Chase CLI - no more HP!

CYBERSAM — Mon, 06 Mar 2023 01:59:26 GMT

So the conclusion is as @Remedios said:

@Remedios wrote:
@Blender wrote:
@Remedios wrote:
Why call when the option is already in the app/website?
Calling won't produce a different outcome when compared to doing it online - one is either eligible or not 🤷‍♀️
Just mentioning that calling is not a HP either, since I recently saw someone who posted about the CSR said it would be a HP.
It is a HP if SP is not available.
So, if app says no soup for you, CSR will get same automated response when one calls, the only way to proceed would be via HP .

But, if peeps wanna sit on hold ...