Chase CLI being annoying

[Anonymous]

So I decided to see if Chase would give me a credit limit increase on my Freedom and my Chase Amazon. I didn't ask for ungodly amounts because I don't have super duper high income, but it's decent. I went into a branch and had them verify me and make the call. *sigh* I got the 7-10 day review notice for both. My USAA, Discover, and my two BOFA cards combined, have given me 11k, 11.2, and 11.8k respectively. My Lowes and Nissan, gave me 5k and 7k. My Citi no increases, but it's limit is 5.3. My hello kitty gave me 1k (I plan to ask for more after 3 months, it just cut first statement) and VS is 2750, HT is 2350, and Kohls is 3k. I asked Chase for 5k total on my Freedom and 2k total on my Amazon (they're currently 2.7k and 500). 100% payments, no derogs, annual money with hubby is about 48-50k. No rent or mortgage. I just hope they give me SOMETHING, even if it's a hundred dollars because I've had my Freedom for 12years and never asked for an increase. It's all so frustrating.

[xaximus]

From the looks of it - you should be able to get some sort of CLI. Income can play a role but seeing that the CLI requested shouldn't be an issue. I would have asked for higher and then seen what they counter with. You may be leaving money on the table.

[Anonymous]

I do hope so. I didn't ask for a lot because I didn't want them thinking I was suddenly going to go hog wild on spending. Plus, my other credit cards, several of which I've paid down to 0 except for 3 of them, are taking FOREVER to report that I paid them down to 0. So, I don't know. I'm not at 700 Fico yet, I'm hovering between 680-690 on all three bureaus, but as I said, my cards are taking forever to report paid off. We'll see what Chase says. At least it wasn't an outright denial. I had asked for an increase on just my Chase Amazon in like April or May and they said NOPE, without the 7-10 day review. *shrugs* Who knows.

[SweetCreditObsession]

You have my sympathy. The waiting can be maddening... I'm sure you'll get an increase.

[csryang]

---

@Anonymous wrote:
So I decided to see if Chase would give me a credit limit increase on my Freedom and my Chase Amazon. I didn't ask for ungodly amounts because I don't have super duper high income, but it's decent. I went into a branch and had them verify me and make the call. *sigh* I got the 7-10 day review notice for both. My USAA, Discover, and my two BOFA cards combined, have given me 11k, 11.2, and 11.8k respectively. My Lowes and Nissan, gave me 5k and 7k. My Citi no increases, but it's limit is 5.3. My hello kitty gave me 1k (I plan to ask for more after 3 months, it just cut first statement) and VS is 2750, HT is 2350, and Kohls is 3k. I asked Chase for 5k total on my Freedom and 2k total on my Amazon (they're currently 2.7k and 500). 100% payments, no derogs, annual money with hubby is about 48-50k. No rent or mortgage. I just hope they give me SOMETHING, even if it's a hundred dollars because I've had my Freedom for 12years and never asked for an increase. It's all so frustrating.

---

Yes, Chase CLI is one of the toughest!  I have >10 Chase cards over the past 5 years and only one of them received an auto CLI. Manually request CLI with Chase is not really worth it I think because you get a hard inquiry with each limit increase request. If you are below 5/24 with Chase, I would suggest you just apply for another Chase credit card. People seem to have higher chance of getting higher credit limit that way. Then after approval, you can move some credit limit to the Chase card that you use the most. 

Please watch for your overall credit limit across all cards. Your overall credit limit across all cards is over or about 50k? And your annual income between two people is about 50k? This make your credit limit roughly 2 times of one person's annual income. From personal experience, once my overall credit limit to be 1-2 times of my annual income, I had harder time to get approved for cards or get approved for limit increase. 

I think this may be also why you have harder time getting CLI.  If you really would like Chase give you limit increase, I would recommend not to request limit increase with your other cards or even consider calling them to decrease your credit limit on other cards. Or, you may try to close some of the cards that you do not even use. After 6 month to 1 year of consistently using your Chase cards without applying CLI from other cards or applying for new cards in the interim, you can then try applying for a new Chase card with the hope of moving credit limit later.