topic Re: Chase SP CLI in Credit Cards

Chase SP CLI

jsucool76 — Fri, 22 Aug 2014 13:39:26 GMT

So I sent a secure message to chase with the hopes of getting a CLI, and this is what I got back.

Thank you for contacting Chase with regards to increasing
the credit limit on your account.

I will be happy to process your request for a credit limit
increase.

This is what you need to know:
* You can request an increase of up to $1,000.00 without
Chase obtaining a copy of your credit report provided that
the offer remains available.
* If you request an increase of more than $1,000.00 or the

above-mentioned offer is no longer available, you
authorize Chase to obtain a copy of your credit report,
your credit report history and any other information
necessary to determine whether the request can be
approved.

The bold part made me a little bit happy. As far as I knew, chase wanted a hard pull if you even started thinking the words "credit limit increase" lol

Re: Chase SP CLI

Anonymous — Fri, 22 Aug 2014 14:01:26 GMT

What was your exact SM you sent? I need a SP cli...it's been long due... thanks!

Re: Chase SP CLI

jamesdwi — Fri, 22 Aug 2014 14:04:03 GMT

a less than $1k CLI from chase just sounds like the state farm insurance commercial with the guy with a fishing poll dangling a $1 in front the person, I saved you a dollar.

of course, if chase so chooses they can HP your account and say sorry we wanted to give you a larger CLI, but you didn't qualify sorry for the HP, better luck next time.

Re: Chase SP CLI

jsucool76 — Fri, 22 Aug 2014 14:04:31 GMT

@Anonymous wrote:
What was your exact SM you sent? I need a SP cli...it's been long due... thanks!

Well first I sent a SM asking if I could change my slate into something more useful, and then told me to gtfo, so then I sent.....

"Hi,

I recently inquired about changing my account from a slate to a different card and was told I could not, however, I was also curious about getting a credit limit increase. The limit on this card is substantially lower than the rest of my accounts.

Any help is appreciated. Thanks!"

Re: Chase SP CLI

TheClub — Fri, 22 Aug 2014 14:07:03 GMT

I don't know. I'll definitely take an $1000 SP increase anyday. Even though it'll be less than a 10% increase why risk getting declined and taking a HP?!?

Thanks for sharing.

Re: Chase SP CLI

chalupaman — Fri, 22 Aug 2014 14:09:57 GMT

How long did you wait to send them that email for a CLI? Good to know that SP CLIs are possible with Chase amazingly.

Re: Chase SP CLI

jsucool76 — Fri, 22 Aug 2014 14:13:44 GMT

@chalupaman wrote:
How long did you wait to send them that email for a CLI? Good to know that SP CLIs are possible with Chase amazingly.

My account has been open since april 2013, never got a CLI or anything.

Re: Chase SP CLI

lg8302ch — Fri, 22 Aug 2014 14:45:57 GMT

I would be very careful with Chase and SM. Last year I tried this and asked if they would consider a SP CLI of 1K on my Freedom that was 4K and clearly mentioned that if this cannot be done with SP to please not touch and leave the limit as it is. The only reason I asked was to be able to have the CL for a Siggy.

A couple of hrs later I get alerts from EX and EQ - double pull Immediately login to my account to find my new limit of 4,5K ....so double pull for 0,5K ?? .... I had to breathe 3 x before calling in as I was really furious. What happened ? Chase did not read the SM but only the title. With the word CLI it ment double pull ! I think I will not have the courage to ever SM Chase with the words CLI. At least they were nice enough to reverse the CL to 4K and remove the 2 inq. Still a lot easier to move limits from new cards than to try to CLI on an old/existing card at least for me. (moved over 1K from Marriott at the end)

Re: Chase SP CLI

jsucool76 — Fri, 22 Aug 2014 14:47:30 GMT

@lg8302ch wrote:
I would be very careful with Chase and SM. Last year I tried this and asked if they would consider a SP CLI of 1K on my Freedom that was 4K and clearly mentioned that if this cannot be done with SP to please not touch and leave the limit as it is. The only reason I asked was to be able to have the CL for a Siggy.
A couple of hrs later I get alerts from EX and EQ - double pull Immediately login to my account to find my new limit of 4,5K ....so double pull for 0,5K ?? .... I had to breathe 3 x before calling in as I was really furious. What happened ? Chase did not read the SM but only the title. With the word CLI it ment double pull ! I think I will not have the courage to ever SM Chase with the words CLI. At least they were nice enough to reverse the CL to 4K and remove the 2 inq. Still a lot easier to move limits from new cards than to try to CLI on an old/existing card at least for me. (moved over 1K from Marriott at the end)

I never even mentioned a SP, the CSR did, so I'm feeling pretty confident.

Re: Chase SP CLI

destine2grow — Fri, 22 Aug 2014 14:49:47 GMT

Go for the 1k!

Re: Chase SP CLI

jsucool76 — Fri, 22 Aug 2014 14:50:53 GMT

@destine2grow wrote:
Go for the 1k!

I did. =] Now....we wait

Re: Chase SP CLI

destine2grow — Fri, 22 Aug 2014 14:53:23 GMT

Awesome, Good luck!

Re: Chase SP CLI

ILBrian — Fri, 22 Aug 2014 14:54:16 GMT

I sent a secure message as well requesting a SP increase and mentioned this " You can request an increase of up to $1,000.00 without
Chase obtaining a copy of your credit report provided that
the offer remains available. "

Re: Chase SP CLI

TheClub — Fri, 22 Aug 2014 15:31:02 GMT

I sent a message requesting a $1000 increase but received the general message requesting details such as gross income and a disclosure stating that they will pull my credit report if I would like to proceed.

I didn't even bother responding.

But hopefully you'll have better luck and the CSR wasn't full of *you know what*.

Re: Chase SP CLI

jsucool76 — Fri, 22 Aug 2014 18:23:13 GMT

Ta Da!

Thank you for contacting Chase about the credit line
increase on your card.

I am delighted to inform you that the credit limit on your
account has been increased to $1,000.00. You have
$1,000.00 of available credit to use immediately.

Your available credit will be affected if any purchases or
payments were made after the credit limit increase.

A letter confirming this information will be mailed to the
address listed on your account and should be received
within 7 to 10 business days.

If you have any further questions, please reply using the
Secure Message Center.

Thank You,

Re: Chase SP CLI

jsucool76 — Fri, 22 Aug 2014 18:24:18 GMT

Bloop, I asked for an increase of 1,000 and got an increase to 1k... Cool chase

:-(

Re: Chase SP CLI

iCoop — Fri, 22 Aug 2014 18:53:54 GMT

@jsucool76 wrote:
Bloop, I asked for an increase of 1,000 and got an increase to 1k... Cool chase

:-(

Congrats on the increase of 2x but bummer they didn't give you the full $1K CLI.

Re: Chase SP CLI

jsucool76 — Fri, 22 Aug 2014 19:56:36 GMT

Beggars can't be choosers. Barclay's gave me another 2.5k so I'll live.

Re: Chase SP CLI

AvadaKedavra — Fri, 22 Aug 2014 22:24:41 GMT

I just sent a message requesting this as well on my Freedom. My account is about two months old and this $500 is killin' me. I'm not very hopefuly they'll incraese it this early but we shall see...

Re: Chase SP CLI

azguy13 — Fri, 22 Aug 2014 22:28:05 GMT

I may have to try this myself. I know it is meaningless, but I really don't want myFico to bug me by saying I have obtained "new credit"