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I have a $5,000 cl on my Chase Freedom card. Nice on my first try but I have higher CLIs on my other cards ($15,000 on two others). I am hoping to get a cli in 6 to 9 months with Chase. I pay off my balances each month. Should I charge up to close to the max on my Chase card, half of my cl or one third in my attempts to get a cli?
@Anonymous wrote:I have a $5,000 cl on my Chase Freedom card. Nice on my first try but I have higher CLIs on my other cards ($15,000 on two others). I am hoping to get a cli in 6 to 9 months with Chase. I pay off my balances each month. Should I charge up to close to the max on my Chase card, half of my cl or one third in my attempts to get a cli?
As much as you can afford to is ideal.
For reporting purposes I personally let off at 60% though when possible so I don't get a "maxed out" condition on report.
never a gurantee of an auto cli increase or a HP CLI for that matter as well.. As Nixon stated as much as you comfortably can charge and pay off.. Obviouly lenders like seeing you use there cards. I am trying to put about 1k through my freedom and another 1k or so through my barclay's per month and hoping for love on both or at least the ability to get another credit card from chase with at least a 5k starting limit vs my 4k freedom starting limit... 4k is plenty on the freedom personally (would i loved 10 for a starting limit to pad utilization, sure!) for me as if I say get a CSP with a 10k limit in a few months if I choose so you can always reallocate your limits around with chase to suit your needs. For my first card with them I am happy with that limit as I know they hand out other cards pretty dang easily once you have a track record / relationship with them