topic Re: Questions About Chase Auto CLI & Chase Reconsideration Line in Credit Cards

Questions About Chase Auto CLI & Chase Reconsideration Line

elboullee — Sun, 08 Oct 2023 06:57:21 GMT

Recently recieved a quite small auto CLI on my CFF.

DPs: More than 1-year history. Chase checking/savings/investment accounts. 8 months with the CFF. Currently 4/24. 3 inquiries. FICO8s are TU-755, EQ-765, and a baffling EX-725 [see recent post, and yes Chase uses EX in my region]. <1% utilization. No balances. No lates/misseds/bankruptcies/foreclosures, etc. No apps in last seven months. $90K+. $2K-$2.5K on the CFF every month.

My question is can I - check that - would it do any good to call the reconsideration line and make my case for a larger increase. I understand that it's a SP now, there's no harm in asking, etc. I'm just curious what the DPs are for a successful CLI reconsideration.

Thanks.

Re: Questions About Chase Auto CLI & Chase Reconsideration Line

gdale6 — Mon, 09 Oct 2023 15:06:56 GMT

You cant recon an auto cli, give them a call and ask for one though you might not be able to get one for 6 mos post the auto increase

Re: Questions About Chase Auto CLI & Chase Reconsideration Line

elboullee — Mon, 09 Oct 2023 18:42:45 GMT

So, called the dedicated reconsideration line this morning

The rep said that Chase will only double CLs. He said this definitively, as if Chase never gives more [or less?] than a doubling of one's current limit, which doesn't sound right given the simple math of exponential growth, but whatever.

Said to wait "approximately 4-5 months" and call back and he's sure it will be doubled again.

I'll be sure to touch base here again in 5 years to see if my CL really has grown to $8.2M

Re: Questions About Chase Auto CLI & Chase Reconsideration Line

SouthJamaica — Mon, 09 Oct 2023 19:00:41 GMT

@elboullee wrote:
Recently recieved a quite small auto CLI on my CFF.

DPs: More than 1-year history. Chase checking/savings/investment accounts. 8 months with the CFF. Currently 4/24. 3 inquiries. FICO8s are TU-755, EQ-765, and a baffling EX-725 [see recent post, and yes Chase uses EX in my region]. <1% utilization. No balances. No lates/misseds/bankruptcies/foreclosures, etc. No apps in last seven months. $90K+. $2K-$2.5K on the CFF every month.

My question is can I - check that - would it do any good to call the reconsideration line and make my case for a larger increase. I understand that it's a SP now, there's no harm in asking, etc. I'm just curious what the DPs are for a successful CLI reconsideration.

Thanks.

What was your limit?

How much was the increase?

Re: Questions About Chase Auto CLI & Chase Reconsideration Line

Anonymous — Mon, 09 Oct 2023 21:07:25 GMT

@elboullee wrote:

I'll be sure to touch base here again in 5 years to see if my CL really has grown to $8.2M

Well, even if one time they decline a CLI, it will still be $4.1M, which, while not great, is at least respectable.