topic Re: Requested Double CLI from Chase in Credit Cards

Received! Double CLI from Chase

Anonymous — Wed, 16 Feb 2011 18:49:36 GMT

So, I'm sitting on a 785FICO EQ and 800 FICO TU with 2 inqs on EQ and none on TU or EX, so I decided to heck with it, I want CLI from Chase.

Was at 3K (which is complete garbage considering 10K limit at AMEX). Requested 10K limit from Chase and they were like yeah, um, no! We'll give you 1.5K extra. Then she said, "I've never seen more than 50% increase".

I'm like burn an inq for 1.5K....um, no! So, I took it, but decided to call the backdoor number same day.

I hit them with an elevator pitch before they could even ask my name! I got 45K verifiably deposited in Chase, 185K of verifiable income (direct deposit), verifiably EXCELLENT CREDIT (Thanks myFICO community...I used to be a 500 kinda guy...now I'm an 800 kinda guy!!!), and I have 10K verifiable limit at AMEX (I know they pulled a report, don't know which yet). I also told them I want to switch all my spend over to Chase from Amex...blah..blah...

Woman says, "Wow Sir, just let me take a second look and we'll see if we can do a second review". 2 minutes later, She said she'll submit for review and recommend approval. She says it may take 48hrs based on the fact that I just got CLI today...but she'll definitely recommend approval.

SO, moral of the story: don't let banks rob you of your INQ.....get it for what's it's worth!

Re: Requested Double CLI from Chase

danisgods — Wed, 16 Feb 2011 04:16:41 GMT

I hope you get it.

Re: Requested Double CLI from Chase

OnWayUpinTexas — Wed, 16 Feb 2011 05:19:24 GMT

Let us know what the outcome is!

Re: Requested Double CLI from Chase

score_building — Wed, 16 Feb 2011 12:09:45 GMT

It's Chase so shouldn't be surprised if they 1. HP again and 2. deny request. IMO Chase and boa are the most twitchy majors right now, Chase essentially has sub prime CLI policies IME, they're a strange brew. Good luck! hope it works out and if not that you find a more beneficial place to do primary banking.

Re: Requested Double CLI from Chase

Anonymous — Wed, 16 Feb 2011 15:34:23 GMT

Update --- The CL last night was $4,500 (the 1.5K increase)

The CL this morning: A Cool $10,000.

They approved the double CLI!!! By the way, I called the recon number at 877-781-3109 but they transferred me. I don't know the number that the transferred to.

Again, thanks myFICO. My scores used to be a mess--literally an absolute mess! Have patience and with time and good history you too will go from NO WAY, to Yes of course!

Re: Requested Double CLI from Chase

score_building — Wed, 16 Feb 2011 15:37:01 GMT

@Anonymous wrote:
Update --- The CL last night was $4,500 (the 1.5K increase)
The CL this morning: A Cool $10,000.

They approved the double CLI!!! By the way, I called the recon number at 877-781-3109 but they transferred me. I don't know the number that the transferred to.

Again, thanks myFICO. My scores used to be a mess--literally an absolute mess! Have patience and with time and good history you too will go from NO WAY, to Yes of course!

Congrats!

Re: Requested Double CLI from Chase

haulingthescoreup — Wed, 16 Feb 2011 19:40:31 GMT

Sweet! You have officially entered the very rare (and low in membership) group of those who got someone at Chase to listen to a consumer.

Re: Requested Double CLI from Chase

Anonymous — Wed, 16 Feb 2011 19:52:20 GMT

You inspired me to email and inquire about a CLI - I just asked if they do them based on periodic review or only upon consumer request. I'm not going to pursue it beyond asking that question, but I did want to know. They're my best card, both in CL and interest rate...oh, and customer service. There are three things that I like best about them: credit limit, interest rate, customer service, and the attractiveness of the card. The four things I like about them are the credit limit, interest rate, customer service, attractiveness of the card, and the ease of use of their site...

Re: Requested Double CLI from Chase

score_building — Wed, 16 Feb 2011 19:57:45 GMT

mauve, you cheated, that was first 4 and then 5 things, LOL

Re: Requested Double CLI from Chase

Anonymous — Wed, 16 Feb 2011 20:30:29 GMT

http://www.youtube.com/watch?v=uprjmoSMJ-o

Re: Requested Double CLI from Chase

Anonymous — Wed, 16 Feb 2011 20:41:04 GMT

My (slightly more than 4 hours, but not as many as 5) response:

Dear Mauve,

I would like to thank you for the kind words you have
expressed about Chase and the services we gladly provide
to you.

I am pleased to advise you that Chase reviews your account
and performance periodically, which may result in an
automatic credit line increase. When this happens, this
review is considered a "soft inquiry,"and does not impact
your credit report negatively. If you proactively request
a credit line increase, then this constitutes a "hard
inquiry." These types of inquiries may affect your credit
score.

It has been a pleasure to clarify this for you today.
Enjoy the rest of your day! If you have any further
questions, please reply using the Secure Message Center.

Thank you,

(Actual person's name)
E-mail Customer Service Representative

Re: Requested Double CLI from Chase

Anonymous — Wed, 16 Feb 2011 20:45:38 GMT

@score_building wrote:

@Anonymous wrote:
Update --- The CL last night was $4,500 (the 1.5K increase)
The CL this morning: A Cool $10,000.

They approved the double CLI!!! By the way, I called the recon number at 877-781-3109 but they transferred me. I don't know the number that the transferred to.

Again, thanks myFICO. My scores used to be a mess--literally an absolute mess! Have patience and with time and good history you too will go from NO WAY, to Yes of course!
Congrats!

Wow!!! That's impressive! Congrats!!!!!

Re: Requested Double CLI from Chase

Anonymous — Wed, 16 Feb 2011 23:26:51 GMT

Thanks. And, by the way, just saw that they pulled EX, surprising because I was sure they would pull EQ (I'm in CT). First Bank USA did the originial pull when I opened the account, and they pulled EQ. The pull on EX was from Chase Bank N.A.

I have no idea what my EX FICO is, but it is consistently the highest FAKO by a lot! So, it could very well be in the mid 800's!

Re: Requested Double CLI from Chase

Anonymous — Sat, 19 Feb 2011 13:09:27 GMT

I used the backdoor number from Chase after requesting a CLI 1k->2k that was immediately denied. I looked on the forums and found the backdoor number and called the next morning, and, voila!, CLI granted. I've learned alot from these forums and feel that i'm able to manage my credit much more effectively.

Re: Requested Double CLI from Chase

score_building — Sat, 19 Feb 2011 21:19:00 GMT

@Anonymous wrote:
I used the backdoor number from Chase after requesting a CLI 1k->2k that was immediately denied. I looked on the forums and found the backdoor number and called the next morning, and, voila!, CLI granted. I've learned alot from these forums and feel that i'm able to manage my credit much more effectively.

Congrats! Chase tends to be the most difficult of the majors for CLI. NIce work!!