topic Re: Interesting Chase CLI in Credit Cards

Interesting Chase CLI

MidnightVoice — Mon, 20 Jun 2011 15:32:21 GMT

For various reasons I wanted an increase in my Chase (United) CL. It is my daughter's and wife's emergency card, and I wanted a bigger buffer available.

So I called and she told me they would pull my CR (fine with me) and asked me my HHI (fine with me).

I asked for $6,500, to bring it to a nice round number. I did not get it - I got $4,700. Seemed an odd amount, but I took it. I then thought about it, and realized that this means my new Chase CL is exactly $200 more than the highest CL I have solely in my name.

Interesting

Re: Interesting Chase CLI

wmarat — Mon, 20 Jun 2011 15:39:27 GMT

I doubt that there is a correlation between your highest limit and chase's increase. FWIW, my limit on chase card is about 43k lower than my highest with refusal to increase it.

@MidnightVoice wrote:

For various reasons I wanted an increase in my Chase (United) CL. It is my daughter's and wife's emergency card, and I wanted a bigger buffer available.

So I called and she told me they would pull my CR (fine with me) and asked me my HHI (fine with me).

I asked for $6,500, to bring it to a nice round number. I did not get it - I got $4,700. Seemed an odd amount, but I took it. I then thought about it, and realized that this means my new Chase CL is exactly $200 more than the highest CL I have solely in my name.

Interesting

Re: Interesting Chase CLI

aftermath — Mon, 20 Jun 2011 16:10:06 GMT

@MidnightVoice wrote:

For various reasons I wanted an increase in my Chase (United) CL. It is my daughter's and wife's emergency card, and I wanted a bigger buffer available.

So I called and she told me they would pull my CR (fine with me) and asked me my HHI (fine with me).

I asked for $6,500, to bring it to a nice round number. I did not get it - I got $4,700. Seemed an odd amount, but I took it. I then thought about it, and realized that this means my new Chase CL is exactly $200 more than the highest CL I have solely in my name.

Interesting

This is true. My wife applied for a Chase Freedom and she was only approved for $1500. I asked the CSR why the CL was so low, and she replied that their decision was based upon the CL of her other accounts. All her other cards are around $1000 so that makes sense.

Re: Interesting Chase CLI

RockinRay — Mon, 20 Jun 2011 16:21:11 GMT

Interesting, I applied last Friday evening and got the 7-30 day message. I am in hopes they will match my Amex Costco line of $10,000. But most likely they "might" match Discover which is $1500....

I would sock drawer Discover as I think the Freedom Card is better...

Ray

Re: Interesting Chase CLI

Anonymous — Mon, 20 Jun 2011 16:24:44 GMT

My credit lines range from $2000 to $10000 and Chase gave me $2000 on my Freedom.

Re: Interesting Chase CLI

brian2220 — Mon, 20 Jun 2011 17:37:19 GMT

my credit limits when i got my freedom were 300 on household and 100 on macys

chase gave me 2,000

i don't see the point that the give you around current credit limits

Re: Interesting Chase CLI

haulingthescoreup — Mon, 20 Jun 2011 17:45:59 GMT

Mine staggered up to $4K from the $2500 where it had been for 3+ years since I opened it. My highest non-CU CL is $18.9K (BofA), so I guess Chase doesn't worry about matching.

Mine was an auto-CLI, which caused me nearly to faint with amazement.

They're mighty tight with their money, that's for sure. (Maybe they need to keep some cash around to defend all those lawsuits regarding their untidy foreclosures, ahem.)

Re: Interesting Chase CLI

RockinRay — Mon, 20 Jun 2011 17:59:46 GMT

+1 - LOL!

Ray

Re: Interesting Chase CLI

Anonymous — Mon, 20 Jun 2011 18:01:05 GMT

My other credit cards range from $3500 to $15k. Chase gave me $7k. I am happy with that limit.

My wife's had the Amazon Chase for almost two years. It's still at $4k even though she has much longer and thus slightly better credit history and even though she uses it a lot and pays in full each month.

Re: Interesting Chase CLI

slarano — Tue, 21 Jun 2011 03:47:51 GMT

My Chase United Mileage Plus card is also at $4700, been stuck there for over a year now. It's at $0 balance, I'm hoping they consider lowering my APR in a few months when my account is up for an automatic review (as mentioned by the last Chase rep I spoke to).

Re: Interesting Chase CLI

Anonymous — Tue, 21 Jun 2011 07:24:37 GMT

@MidnightVoice wrote:

For various reasons I wanted an increase in my Chase (United) CL. It is my daughter's and wife's emergency card, and I wanted a bigger buffer available.

So I called and she told me they would pull my CR (fine with me) and asked me my HHI (fine with me).

I asked for $6,500, to bring it to a nice round number. I did not get it - I got $4,700. Seemed an odd amount, but I took it. I then thought about it, and realized that this means my new Chase CL is exactly $200 more than the highest CL I have solely in my name.

Interesting

Midnight, what was the CL before increase? if you don't mind ~

Most of my cards are begin with 3k ~ 3.5k (Except Discover with 2k and Addison Platinum VISA 10k)

Some stays same (didn't ask for CLI) and some got CLId ~ Chase is one of them.

Starbucks Duetto VISA (now Freedom VISA) 3k to 5k to 8.6k.
Flexible MC (to Freedom MC, then Freedom World MC) 3k to 5.5k to 6k to 9k

Even with my little HHI, I received CLI. So, I believe yours will go higher too.

Re: Interesting Chase CLI

MidnightVoice — Tue, 21 Jun 2011 15:07:26 GMT

I am not talking about original credit lines, but specifically the CLI I was given.   That is what interested me.

@Anonymous wrote:
@MidnightVoice wrote:

For various reasons I wanted an increase in my Chase (United) CL. It is my daughter's and wife's emergency card, and I wanted a bigger buffer available.

So I called and she told me they would pull my CR (fine with me) and asked me my HHI (fine with me).

I asked for $6,500, to bring it to a nice round number. I did not get it - I got $4,700. Seemed an odd amount, but I took it. I then thought about it, and realized that this means my new Chase CL is exactly $200 more than the highest CL I have solely in my name.

Interesting
Midnight, what was the CL before increase? if you don't mind ~

Most of my cards are begin with 3k ~ 3.5k   (Except Discover with 2k and Addison Platinum VISA 10k)
Some stays same (didn't ask for CLI) and some got CLId ~ Chase is one of them.
Starbucks Duetto VISA (now Freedom VISA)   3k to 5k to 8.6k.
Flexible MC (to Freedom MC, then Freedom World MC)   3k to 5.5k to 6k to 9k

Even with my little HHI, I received CLI.   So, I believe yours will go higher too.

Chase was my lowest CLI card and one of my oldest. CL was $8.5K. It went up $200 above my highest CL card (Amex).

By the way, I very, very rarely ask for a CLI. In fact, I think this is only the second I have asked for in the last decade! So I have a whole bunch of cards at about $10K, and have never bothered trying to drive them up. And all my useage is spread out and low, so auoto CLIs are rare. Big expenses either go on a specific card (Apple or Lowes ), or on DW's B&N card to buy books.

Re: Interesting Chase CLI

Anonymous — Wed, 22 Jun 2011 07:40:21 GMT

@MidnightVoice wrote:
I am not talking about original credit lines, but specifically the CLI I was given. That is what interested me.

Chase was my lowest CLI card and one of my oldest. CL was $8.5K. It went up $200 above my highest CL card (Amex).

By the way, I very, very rarely ask for a CLI. In fact, I think this is only the second I have asked for in the last decade! So I have a whole bunch of cards at about $10K, and have never bothered trying to drive them up. And all my useage is spread out and low, so auoto CLIs are rare. Big expenses either go on a specific card (Apple or Lowes ), or on DW's B&N card to buy books.

Sorry for the misread Midnight.

So, you wanted your Chase CC CL to be 15k but they only gave you 13.2k instead. Wow, very interesting. As you saw, my former Starbucks Duetto VISA went up to 8.6k ... at that time I thought why it is not 8.5k or 9k ... it's weird. I now only can guess is they gave me $600 above my highest CL card at that time, which is Amex Blue.

Re: Interesting Chase CLI

MidnightVoice — Wed, 22 Jun 2011 11:41:11 GMT

I must have got the math wrong - it was $8.5K and went to $12.7K. It was the weirdenes of the 700 that got me thinking - seemed such an odd number to use.

But it might just be because of my less than stellar use of the card