topic CLI or Apply For New Freedom Flex in Credit Cards

CLI or Apply For New Freedom Flex

Roy-Batty-82 — Tue, 12 Nov 2024 18:27:45 GMT

I got a Freedom Flex seven years ago when I had several dings on my CR from a CO AMEX, couldn't get my score above 650. My CL was $500

After some dedicated work, I boosted my score to 767. I picked up a CSP, FU, Bonvoy Boundless, BILT (for rent) and earlier this year, I was approved for AMEX Gold. Two weeks ago was approved for a World of Hyatt Chase card with a $28,800 CL.

All good things. And over the years, my CSP and FU have had multiple annual revie CLI. Currently, $102,800 CL across my cards,

But outside of one CLI for $500, my Freedom Flex is stuck at $1000 CL and I use it as much as possible when the rotating categories are in my favor.

What's a better path request at CLI or open a new card? I've read that Chase sometimes puts you in a "bucket" based upon what your credit profile was when a card was opened?

I could easily get a new Freedom Flex, but outside of the sign up bonus, I don't want another hit on my CR after getting the World of Hyatt card recently.

Advice? Thoughts?

Re: CLI or Apply For New Freedom Flex

GZG — Tue, 12 Nov 2024 18:35:27 GMT

call chase and ask them to move your limit over from the Hyatt card to the other cards, I assume the Hyatt card is a personal card, so they should be willing to do so.

Re: CLI or Apply For New Freedom Flex

Snook_on_the_Line — Wed, 13 Nov 2024 01:02:36 GMT

Second this ^^^^

just move limit from one of the cards you regularly get clis on

then wait a couple months and ask for a cli on the donor card.

rinse and repeat

Re: CLI or Apply For New Freedom Flex

Roy-Batty-82 — Thu, 14 Nov 2024 06:42:31 GMT

Thanks, good bit of tactics

@Snook_on_the_Line wrote:
Second this ^^^^

just move limit from one of the cards you regularly get clis on

then wait a couple months and ask for a cli on the donor card.

rinse and repeat

Re: CLI or Apply For New Freedom Flex

yam1rts — Thu, 14 Nov 2024 11:54:04 GMT

@Snook_on_the_Line wrote:
Second this ^^^^

just move limit from one of the cards you regularly get clis on

then wait a couple months and ask for a cli on the donor card.

rinse and repeat

What other bank does this without a hassle?

Re: CLI or Apply For New Freedom Flex

SouthJamaica — Thu, 14 Nov 2024 16:01:34 GMT

@Roy-Batty-82 wrote:
I got a Freedom Flex seven years ago when I had several dings on my CR from a CO AMEX, couldn't get my score above 650. My CL was $500
After some dedicated work, I boosted my score to 767. I picked up a CSP, FU, Bonvoy Boundless, BILT (for rent) and earlier this year, I was approved for AMEX Gold. Two weeks ago was approved for a World of Hyatt Chase card with a $28,800 CL.

All good things. And over the years, my CSP and FU have had multiple annual revie CLI. Currently, $102,800 CL across my cards,

But outside of one CLI for $500, my Freedom Flex is stuck at $1000 CL and I use it as much as possible when the rotating categories are in my favor.

What's a better path request at CLI or open a new card? I've read that Chase sometimes puts you in a "bucket" based upon what your credit profile was when a card was opened?

I could easily get a new Freedom Flex, but outside of the sign up bonus, I don't want another hit on my CR after getting the World of Hyatt card recently.

Advice? Thoughts?

I believe it's pretty easy to move some of your limit from the Hyatt card to the Freedom card.