Cli on CSP what 2 are they pulling

[Anonymous]

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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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Nobody can tell you exactly what Chase will view as risky. UW is not publicly disclosed and I get the suspicion it also varies somewhat depending on the rep looking at it. If I snuck by the rules due to a glitch that let me break well-establishes rules, I would wait 6 months before asking Chase for anything more. FinStar mentions my WS card but I actually stopped adding cards when I got approved for WS (Marvel was right after it on the same day). March will be 6 months since I got that approval and I won't add any credit until at least then because I lucked out avoiding AA from Comenity. That's not even a card I use heavily and I still took a timeout. 

[Anonymous]

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@FinStar wrote:

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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 

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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.

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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. 

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Cool. Forget I said anything. I'm going to just stop advising people to be cautious altogether. 

[FinStar]

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@Anonymous wrote:

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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. 

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The OP's original question was about which CRAs would be pulled on the CLI.

I had far more inquiries and new account activities than the OP's DH profile and they approved the CLI.  And, it was with a 5/24 known account (biz-wise).  Profile-dependent, yes.  Accounts shut down, no. 

[Jccflat]

I will let him decide I guess 

if he does go for the Cli   asks  to go to 20k will they counter offer a diff amount   If anything is in the table or if they can't meet that amount  they decline ?

[FinStar]

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@Jccflat wrote:

I will let him decide I guess 

if he does go for the Cli   asks  to go to 20k will they counter offer a diff amount   If anything is in the table or if they can't meet that amount  they decline ?

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Yes, if approved for the CLI request, they can counter to a lesser amount.  So, always aim higher IMO. 

If they do not approve the request altogether, then that gives you and DH some context on just letting time do its thing and can try again in the future. 

Try to space the CLIs at a minimum every ~6 months (the longer the better).  Otherwise, that's just going to incur a lot of unnecessary HPs.  

[Jccflat]

I guess it's instant decision while u wait on the phone ? And Sunday is ok 

[FinStar]

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@Jccflat wrote:

I guess it's instant decision while u wait on the phone ? And Sunday is ok 

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Sometimes CLI decisions are not instant and may take up to 72 hours to learn the results.  You can call on Sunday to submit the request, but if it goes pending, UW won't likely see it until Monday. 

They'll let your DH know once the request is submitted.  If the request goes pending, just give it time.  If no CL changes display online within 3-4 days, then it's likely it didn't go through. 

[Brian_Earl_Spilner]

As someone who has actually worked in one of chase's underwriting departments, it's really blown out of proportion. People who got AA were already rocking the boat. If you have a valid reason for recon or an increase, it'll be approved, no problem, as long as you still fall within the guidelines.

[Brian_Earl_Spilner]

At OP, yes, they sometimes do have people working in underwriting during the weekend, but it's a skeleton crew and typically a single office for the entire country.

[Jccflat]

Update 

well a Cli was requested by phone today  and was denied at lest only Experian was pulled 

so there's no point asking chase for Cli the profile looked good and u never know with them,

is it safe to transfer the CL from united to CSP since the card will get downgraded? It's in the first year 

I know Amex doesn't like this games