topic Re: Chase CLI...?? in Credit Cards

Chase CLI...??

zeusta20 — Fri, 24 May 2013 03:12:26 GMT

I know Chase will pretty much pull your CR any time you ask for an increase. And I know that they're not really big on doing auto CLI's....

But has ANYONE experienced an auto CLI????

Does it happen, just not very often??? or is it just not possible, period???

Re: Chase CLI...??

Anonymous — Fri, 24 May 2013 03:27:46 GMT

@zeusta20 wrote:
I know Chase will pretty much pull your CR any time you ask for an increase. And I know that they're not really big on doing auto CLI's....

But has ANYONE experienced an auto CLI????

Does it happen, just not very often??? or is it just not possible, period???

I just experienced an auto CLI. Went from 10 to 12.5k.

It is the only time it has happened for the past 1.5 - 2 years I've had the account.

Honestly I wouldn't count on it until it actually happens.

Re: Chase CLI...??

CreditScholar — Fri, 24 May 2013 03:30:29 GMT

I got one on my United card after 3 months, from 18k to 25k. I charged 30k in those 3 months, so I'm sure heavy usage played a part in that.

Re: Chase CLI...??

Anonymous — Fri, 24 May 2013 03:32:56 GMT

I got one auto CLI on my Freedom about 2-3 months after opening. Hasn't moved since.

Re: Chase CLI...??

LS2982 — Fri, 24 May 2013 03:32:58 GMT

Nice Increase!!!

Re: Chase CLI...??

zeusta20 — Fri, 24 May 2013 03:36:12 GMT

@Anonymous wrote:
I got one auto CLI on my Freedom about 2-3 months after opening. Hasn't moved since.

What was your starting limit? and what did they increase it to if you don't mind me asking?

Re: Chase CLI...??

zeusta20 — Fri, 24 May 2013 03:37:28 GMT

@CreditScholar wrote:
I got one on my United card after 3 months, from 18k to 25k. I charged 30k in those 3 months, so I'm sure heavy usage played a part in that.

oh wow....thats a pretty big jump! well nice job on the increase! lol

Re: Chase CLI...??

zeusta20 — Fri, 24 May 2013 03:40:19 GMT

@Anonymous wrote:
@zeusta20 wrote:
I know Chase will pretty much pull your CR any time you ask for an increase. And I know that they're not really big on doing auto CLI's....

But has ANYONE experienced an auto CLI????

Does it happen, just not very often??? or is it just not possible, period???
I just experienced an auto CLI. Went from 10 to 12.5k.
It is the only time it has happened for the past 1.5 - 2 years I've had the account.

Honestly I wouldn't count on it until it actually happens.

hmmm...I'm wondering if the reason why they never did was because your limit was already pretty high...

I'm hoping that my limit will increase since its only at 5k. I have a lot of inquiries, so I really don't want to have to run my credit again. Just bought a car where it was ran 3 times. And also got increases from other CC's back in march. Not to mention thats when I got both my chase cards. So since march, I have quite a bit of inquiries. 9 total I think

Re: Chase CLI...??

FinStar — Fri, 24 May 2013 03:45:23 GMT

@CreditScholar wrote:
I got one on my United card after 3 months, from 18k to 25k. I charged 30k in those 3 months, so I'm sure heavy usage played a part in that.

Similarly to CreditScholar and enharu, my CSP went from 11K to 15K in a matter of 7-8 months after moderate to heavy usage.

Re: Chase CLI...??

Anonymous — Fri, 24 May 2013 03:55:33 GMT

@zeusta20 wrote:
@Anonymous wrote:
@zeusta20 wrote:
I know Chase will pretty much pull your CR any time you ask for an increase. And I know that they're not really big on doing auto CLI's....

But has ANYONE experienced an auto CLI????

Does it happen, just not very often??? or is it just not possible, period???
I just experienced an auto CLI. Went from 10 to 12.5k.
It is the only time it has happened for the past 1.5 - 2 years I've had the account.

Honestly I wouldn't count on it until it actually happens.

hmmm...I'm wondering if the reason why they never did was because your limit was already pretty high...

I'm hoping that my limit will increase since its only at 5k. I have a lot of inquiries, so I really don't want to have to run my credit again. Just bought a car where it was ran 3 times. And also got increases from other CC's back in march. Not to mention thats when I got both my chase cards. So since march, I have quite a bit of inquiries. 9 total I think

I had asked for CLIs twice that I got hard inquiries for.

Originally I only had the Chase amazon card when i was still in college and they started me at 2k. I used that card for a year and never really bothered applying for anything else or ask for any CLI. I got around the CL by paying in full mutiple times a month. About 13-14 months after having the card I finally asked for a CLI when I needed to charge something expensive and they increased me to 8.5k with 1 HP.

Approx after another 4 months, I applied for the CSP and Freedom and got decent limits. I asked for CLI again and they gave me my current limits.

Then finally they gave me an auto CLI on my Amazon card out of the blue when I don't use that card as much anymore.

Edit: to add, I just got my CSP and Freedom a little more than 2 months ago. Hopefully they'll give me some auto CLI, but I wouldn't count too much on it. I plan to ask for a CLI again sometime end of this year or early next year. From my experiences thus far the CLI given was well worth the inquiry, so I don't really mind.

Re: Chase CLI...??

zeusta20 — Fri, 24 May 2013 03:55:35 GMT

@Anonymous wrote:
@zeusta20 wrote:
@Anonymous wrote:
@zeusta20 wrote:
I know Chase will pretty much pull your CR any time you ask for an increase. And I know that they're not really big on doing auto CLI's....

But has ANYONE experienced an auto CLI????

Does it happen, just not very often??? or is it just not possible, period???
I just experienced an auto CLI. Went from 10 to 12.5k.
It is the only time it has happened for the past 1.5 - 2 years I've had the account.

Honestly I wouldn't count on it until it actually happens.

hmmm...I'm wondering if the reason why they never did was because your limit was already pretty high...

I'm hoping that my limit will increase since its only at 5k. I have a lot of inquiries, so I really don't want to have to run my credit again. Just bought a car where it was ran 3 times. And also got increases from other CC's back in march. Not to mention thats when I got both my chase cards. So since march, I have quite a bit of inquiries. 9 total I think
I had asked for CLIs twice that I got hard inquiries for.
Originally I only had the Chase amazon card when i was still in college and they started me at 2k. I used that card for a year plus and never really bothered applying for anything else or ask for any CLI. I got around the CL by paying in full mutiple times a month. About 13-14 months after having the card I finally asked for a CLI when I needed to charge something expensive and they increased me to 8.5k with 1 HP.

Approx after another 4 months, I applied for the CSP and Freedom and got decent limits. I asked for CLI again and they gave me my current limits.
Then finally they gave me an auto CLI on my Amazon card out of the blue when I don't use that card as much anymore.

Edit: to add, I just got my CSP and Freedom a little more than 2 months ago. Hopefully they'll give me some auto CLI, but I wouldn't count too much on it. I plan to ask for a CLI again sometime end of this year or early next year. From my experiences thus far the CLI given was well worth the inquiry, so I don't really mind.

Now...when you say you PIF, did you use the cards, wait for the statement to cut, THEN pay your balance in full??? Does it matter if I wait till it cuts or not?

I would prefer to pay it BEFORE it cuts so it doesn't show on my CR. But I don't know if thats hurting my chances of getting an increase because its not showing that there's usage on my CREDIT REPORT. It shows on my activity with Chase (obviously) but it doesn't show on my CR.

Re: Chase CLI...??

Anonymous — Fri, 24 May 2013 04:07:21 GMT

@zeusta20 wrote:
Now...when you say you PIF, did you use the cards, wait for the statement to cut, THEN pay your balance in full??? Does it matter if I wait till it cuts or not?

I would prefer to pay it BEFORE it cuts so it doesn't show on my CR. But I don't know if thats hurting my chances of getting an increase because its not showing that there's usage on my CREDIT REPORT. It shows on my activity with Chase (obviously) but it doesn't show on my CR.

Basically I was using way more than just the 2K CL they gave me. The most I had used in a month was up to 12k, if I remember correctly.

I just charge whatever I'm paying for on the card, and once the payment posts, I'll PIF immediately to free up the available credit, and then I'll charge again.

It will not affect your chances if you pay before it reflects on your CR. Whenever you pull your CR, you can see the actual amount you charged and paid for each cycle. All lenders can see that. This is also why in some cases people get denied with the reason that they paid down most of their balances only recently.

Re: Chase CLI...??

Anonymous — Fri, 24 May 2013 04:16:40 GMT

$1800-$2200. Which at the time when I got it was okay. But other lenders have come through with bigger limits so this card has taken a back seat.

Re: Chase CLI...??

Anonymous — Fri, 24 May 2013 04:32:01 GMT

I got a couple small auto CLIs in my first 9 months. Then after a year and a half I did the hard pull but they only gave me $500. So I reconned and they gave me another 3k. If you go for the HP make sure you recon for what you really want.

Re: Chase CLI...??

KIPPIE12 — Fri, 24 May 2013 14:25:21 GMT

CSP went from 8k to 12k within 6 months. Freedom followed 2 weeks after CSP, went auto from 7.5k to 9.3k. All Chase auto cli. Both cards used heavily.

Re: Chase CLI...??

withaspark — Fri, 24 May 2013 14:48:09 GMT

I recently received a Chase auto-cli from 7k to 12k with only about $2k in spend on the card over 4 months. So very low spend, never let a balance post on it, and didn't use it for 3 months. However, I did open a checking account and shoved a few thousand dollars in it. I only spent around $300 to 500 per month on my CSP (so they weren't seeing much spend at all). I guess they just liked getting the regular direct deposits and the money not being used for anything other than paying off my cards...otherwise, I don't know why they did it. But since, I have started putting a lot more through the card as a big thank you (not really...it just started fitting my spending better).

Re: Chase CLI...??

zeusta20 — Fri, 24 May 2013 15:14:17 GMT

Gosh...I hope Chase does an auto CLI for me! I owe about 1400 on in, but looking to pay it off in July.

Re: Chase CLI...??

jamesdwi — Fri, 24 May 2013 15:21:28 GMT

Got auto-cli's on both my chase cards this month, one about 15 months old (freedom) the other at 6 months old (slate). I think its related to changes in my credit report, no HP for almost 6 months. Freedom has been used hard, 3k limit but pushed over 4k a month in 3 of the last 6 months upto 66% UTL currently 30% UTL. Slate was about 66% UTL paying it down $100-$200 a month with no new charges. Both cards got a $300 auto-CLI.

But it does appear to be auto-CLI season for Chase from posts I have read.

Re: Chase CLI...??

kobe2012 — Fri, 24 May 2013 15:30:47 GMT

I got an auto increase from my freedom on my 4th statement... From $500 to $1000... It's pretty much my everyday card.... Last week, my 7th statement cut, I requested an increase from $1k to $5k and was approved after 7 calls!!! They wanted me to unfreeze my EX report..but i didn't, I have at least 8 inq the past 3-4 months.. I kept trying until a nice guy approved it without a hard pull..... I don't know how but he did it... Am now tryin to get an increase on my slate (barely 3 months old) but they're saying the same, to unfreeze m EX...I'm hoping I'd get the same luck with my freedom.....

Re: Chase CLI...??

Anonymous — Fri, 24 May 2013 15:36:18 GMT

@kobe2012 wrote:
I got an auto increase from my freedom on my 4th statement... From $500 to $1000... It's pretty much my everyday card.... Last week, my 7th statement cut, I requested an increase from $1k to $5k and was approved after 7 calls!!! They wanted me to unfreeze my EX report..but i didn't, I have at least 8 inq the past 3-4 months.. I kept trying until a nice guy approved it without a hard pull..... I don't know how but he did it... Am now tryin to get an increase on my slate (barely 3 months old) but they're saying the same, to unfreeze m EX...I'm hoping I'd get the same luck with my freedom.....

Geeze.. 7 calls.. You've made the record for CLI perseverance.