topic Chase Auto CLI in Credit Cards

Chase Auto CLI

cdtotten — Thu, 14 Jul 2011 13:00:30 GMT

Just wanted to let everyone know that Chase gave me an auto-CLI from $12,500 to $15,000. I honestly didn't know until I logged in today and saw it. It should be noted that my highest other CL is $15,000 with Alliant, so chase may be matching theirs. This is the 4th auto-cli in my 6 years of having the card (started at $6,000).

Now just gotta decide if I wanna request the increase from Amex. Button has been back for over a month... at $12,500 currently. Any suggestions on what I should request?

Re: Chase Auto CLI

JagerBombs89 — Thu, 14 Jul 2011 13:12:16 GMT

Make it a cool $20,000

Re: Chase Auto CLI

cdtotten — Thu, 14 Jul 2011 13:31:41 GMT

Got scared... did $18,000, instantly approved. Yay.

Re: Chase Auto CLI

castlefox — Thu, 14 Jul 2011 14:39:14 GMT

What chase credit card do you have?

Re: Chase Auto CLI

RockinRay — Thu, 14 Jul 2011 14:44:26 GMT

With Chase, how often will they give you an Auto CLI?

Ray

Re: Chase Auto CLI

cdtotten — Thu, 14 Jul 2011 14:45:28 GMT

Freedom. Has never been a pattern on the CLI..usually 12-18 months apart. All CLIs requested by the consumer are hard pulls by chase; auto CLIs are not.

Re: Chase Auto CLI

castlefox — Thu, 14 Jul 2011 14:49:31 GMT

Well that is super awesome then cdtotten.

What is your utilization percentage to you let post on your Freedom card?

Re: Chase Auto CLI

Anonymous — Thu, 14 Jul 2011 15:12:58 GMT

@cdtotten wrote:
Got scared... did $18,000, instantly approved. Yay.

Did you use some kind of automated system or did you talk to a rep?

Re: Chase Auto CLI

cdtotten — Thu, 14 Jul 2011 19:54:25 GMT

For AMEX - I always use the online automated system. Prompts me every 6 months when eligible. Never a hard pull - just ask how much you want and your income. My balance when requesting a CLI has always been <10%, usually $0.00.

As for CHASE - I actually have carried large balances with them for long periods in the past. At one point, after a consolidation, I had $8,000 out of $9,500. Over time that got paid off. Currently, I have a $2,200 balance. They have always given me my increases while carrying a balance suprisingly.

Overall util was 10% (now 9% because of the changes). EQ FICO as of today is 740.

Re: Chase Auto CLI

Anonymous — Thu, 14 Jul 2011 20:01:54 GMT

Congrats on both the Chase and Amex! Your cards have grown very well for you, nice job.