Cli on CSP what 2 are they pulling

[Jccflat]

I think they would shot this Acct if yes long time ago 

[Anonymous]

If you want to risk it, by all means. I would not. Too many people who have shared that Chase shut their accounts down upon manual review. 

[FinStar]

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@Jccflat wrote:

I think they would shot this Acct if yes long time ago 

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Correct, unless your family member provided Chase an inherent reason to do so.  IMO, it should be fine. 

Unless Chase happens to see a degradation in your scores, stagnant balances, including their own, escalating debt, or any internal behavioral score that may raise any flags, they're not going to shut down the accounts.

Typically, the 'watch' period is 90-days from the last opened Chase account.

[FinStar]

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@Anonymous wrote:

If you want to risk it, by all means. I would not. Too many people who have shared that Chase shut their accounts down upon manual review. 

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Conversely, the forum community advised a similar situation (risk-wise) about an application for Williams Sonoma and you still went ahead, got approved and no AA, right? 

[Anonymous]

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@FinStar wrote:

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@Jccflat wrote:

I think they would shot this Acct if yes long time ago 

---

Correct, unless your family member provided Chase an inherent reason to do so.  IMO, it should be fine. 

Unless Chase happens to see a degradation in your scores, stagnant balances, including their own, escalating debt, or any internal behavioral score that may raise any flags, they're not going to shut down the accounts.

Typically, the 'watch' period is 90-days from the last opened Chase account.

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Certainly seems like these accounts are higher risk to me. 

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Auto-Cli-for-CSP-but-just-approved-for-the...

[Anonymous]

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@FinStar wrote:

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@Anonymous wrote:

If you want to risk it, by all means. I would not. Too many people who have shared that Chase shut their accounts down upon manual review. 

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Conversely, the forum community advised a similar situation (risk-wise) about an application for Williams Sonoma and you still went ahead, got approved and no AA, right? 

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Correct but I was willing to take that risk and it paid off. I'm just advising of risk. 

[Jccflat]

The credit report of this Acct are excellent

no negative info and it's on 2% utilization 2 years average age 

[Jccflat]

The only thing is it has  the Experian 19 inquires 17 are older than 12 months does this can risk it by chase ?

[FinStar]

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@Anonymous wrote:

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@FinStar wrote:

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@Jccflat wrote:

I think they would shot this Acct if yes long time ago 

---

Correct, unless your family member provided Chase an inherent reason to do so.  IMO, it should be fine. 

Unless Chase happens to see a degradation in your scores, stagnant balances, including their own, escalating debt, or any internal behavioral score that may raise any flags, they're not going to shut down the accounts.

Typically, the 'watch' period is 90-days from the last opened Chase account.

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Certainly seems like these accounts are higher risk to me. 

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Auto-Cli-for-CSP-but-just-approved-for-the-United-in-the-glitch/td-p/5827194

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Chase is the UW, they'll be the ones assessing the appropriate risk. 

[FinStar]

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@Jccflat wrote:

The only thing is it has  the Experian 19 inquires 17 are older than 12 months does this can risk it by chase ?

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It's all profile-dependent.  More than likely, Chase might say no to the CLI.  But, they're certainty not going to shut down the accounts. 

Personally, I'd have your family member reallocate the CL from the United CC just to have some leverage down the road with a potential auto-CLI based on the account's usage.

No point in wasting HPs if it's likely they might say no.  Just my .02¢