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Am I being greedy with Chase CLI?

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SouthJamaica
Mega Contributor

Re: Am I being greedy with Chase CLI?


@805orbust wrote:

I could definitely muster heavy spend on that card, it's just annoying. Between Whole Foods and random things from Amazon it could happen. Iirc there may even be some offers for non-Amazon stuff in there. I mainly have it set as a preferred pmt method in my Prime account. They did issue an auto CLI on the Flex about 6 or 7 months in last summer, but I was spending about 3k a month on that. Definitely can't accomplish that with a $1000 limit. I've got about $300 in mp3's I've gotta buy right now 😂


By heavy spend I just meant heavy in proportion to the limit.


Total revolving limits 586020 (520820 reporting) FICO 8: EQ 685 TU 691 EX 683




Message 11 of 16
805orbust
Valued Contributor

Re: Am I being greedy with Chase CLI?


@SouthJamaica wrote:

@805orbust wrote:

I could definitely muster heavy spend on that card, it's just annoying. Between Whole Foods and random things from Amazon it could happen. Iirc there may even be some offers for non-Amazon stuff in there. I mainly have it set as a preferred pmt method in my Prime account. They did issue an auto CLI on the Flex about 6 or 7 months in last summer, but I was spending about 3k a month on that. Definitely can't accomplish that with a $1000 limit. I've got about $300 in mp3's I've gotta buy right now 😂


By heavy spend I just meant heavy in proportion to the limit.


Right. Makes perfect sense @SouthJamaica and @AverageJoesCredit . Never occurred to me. As long as I don't have to do the whole "making multiple payments per month" thing I'm good. I can hardly keep up with the sheer number of cards, that would just be asking  for trouble.... not to mention more Grey hair. 



Message 12 of 16
SouthJamaica
Mega Contributor

Re: Am I being greedy with Chase CLI?


@805orbust wrote:

@SouthJamaica wrote:

@805orbust wrote:

I could definitely muster heavy spend on that card, it's just annoying. Between Whole Foods and random things from Amazon it could happen. Iirc there may even be some offers for non-Amazon stuff in there. I mainly have it set as a preferred pmt method in my Prime account. They did issue an auto CLI on the Flex about 6 or 7 months in last summer, but I was spending about 3k a month on that. Definitely can't accomplish that with a $1000 limit. I've got about $300 in mp3's I've gotta buy right now 😂


By heavy spend I just meant heavy in proportion to the limit.


Right. Makes perfect sense @SouthJamaica and @AverageJoesCredit . Never occurred to me. As long as I don't have to do the whole "making multiple payments per month" thing I'm good. I can hardly keep up with the sheer number of cards, that would just be asking  for trouble.... not to mention more Grey hair. 


The only CLI I ever got from Chase was achieved by taking a card with an 8k limit, on which I typically spent 200-300 monthly, and spending 2500 on it one month. A month or two later I got a 2500 auto CLI.


Total revolving limits 586020 (520820 reporting) FICO 8: EQ 685 TU 691 EX 683




Message 13 of 16
805orbust
Valued Contributor

Re: Am I being greedy with Chase CLI?

@SouthJamaica you think it's a timing issue? I've had that card since 2016 and have run it up to $1000 many times, and even let it report a few times since it immediately goes back to zero when you pay it off, and nothing. 

 

They *do* seem to be giving out those increases more commonly nowadays, plus obviously my profile is in a different universe. 



Message 14 of 16
SouthJamaica
Mega Contributor

Re: Am I being greedy with Chase CLI?


@805orbust wrote:

@SouthJamaica you think it's a timing issue? I've had that card since 2016 and have run it up to $1000 many times, and even let it report a few times since it immediately goes back to zero when you pay it off, and nothing. 

 

They *do* seem to be giving out those increases more commonly nowadays, plus obviously my profile is in a different universe. 


I don't know what goes on in these peoples' minds Smiley Happy


Total revolving limits 586020 (520820 reporting) FICO 8: EQ 685 TU 691 EX 683




Message 15 of 16
FinStar
Moderator Emeritus

Re: Am I being greedy with Chase CLI?


@805orbust wrote:

@SouthJamaica you think it's a timing issue? I've had that card since 2016 and have run it up to $1000 many times, and even let it report a few times since it immediately goes back to zero when you pay it off, and nothing. 

 

They *do* seem to be giving out those increases more commonly nowadays, plus obviously my profile is in a different universe. 


There's a lot of factors involved besides timing. Think internal behavioral scoring and performance metrics. So, a lot hinges on account performance, but there are other external elements at play, which can also include tranches. Also, the recent CLI waves can be due to a plethora of other factors for those specific accountholders and their profiles plus any internal marketing campaigns to spruce card usage.

Message 16 of 16
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