Chase CLI eligibility

[tanjirokamado]

Back in August, my Sapphire Preferred card was eligible for a CLI via the Chase app. I submitted the request, and got a 7-10 day message. For the first time, Chase denied my CLI for these exact two reasons: 

1. You have too many active accounts or too much available credit 
2. Low usage of Chase credit line(s) 

Total credit limit with Chase across all 3 cards is around $95000. FICO scores are all 780+. Income is ~$220k. 

Today, the app is showing that same card is eligible for a CLI. Do you guys think it'd be worth submitting another request? The only thing that's changed between August and now is my year-end bonus and 5% overall raise. 

[JoeRockhead]

Chase generally responds more favorably to people who make good use of their cards. The good news is it won't cost you anything to ask for a CLI. You could also contact them to ask for reconsideration if declined again. 

[tanjirokamado]

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@JoeRockhead wrote:

Chase generally responds more favorably to people who make good use of their cards. The good news is it won't cost you anything to ask for a CLI. You could also contact them to ask for reconsideration if declined again. 

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Good points. In the past, I would immediately pay off large transactions before my statement closed to avoid high utilization/spooking Chase. Guess it's hurting me more than helping in this situation. 

[NoMoreE46]

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@tanjirokamado wrote:

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@JoeRockhead wrote:

Chase generally responds more favorably to people who make good use of their cards. The good news is it won't cost you anything to ask for a CLI. You could also contact them to ask for reconsideration if declined again. 

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Good points. In the past, I would immediately pay off large transactions before my statement closed to avoid high utilization/spooking Chase. Guess it's hurting me more than helping in this situation. 

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Right it's  a SP to put in the request.

What kind spending on your Sapphire since the denial?  (ps, Paying off balances before the due date wont lessen your chances of a CLI...)

[CreditCuriosity]

Do you really need it you are approaching their typical threshold of credit to income which is normally around 50ish percent of your income.  Doesn't hurt to try as a SP but if you want another card in the future with them might just want to keep that 5-15k or whatever open for a future card and bonus.