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SP CLI Requests for AMEX, Citi, & Chase

cws-21
Regular Contributor

SP CLI Requests for AMEX, Citi, & Chase

Does anyone know how often soft pull credit limit increases can be requested for American Express and Citi? I assume it is every 6 months for each, which is what I have been doing for my Blue Cash Preferred and Double Cash, but I just want to make sure that I cannot do so sooner for both or either. One last thing, I cannot request a SP CLI for my Chase Amazon Rewards Visa Signature Card, correct? Thanks.

Message 1 of 8
7 REPLIES 7
thornback
Senior Contributor

Re: SP CLI Requests for AMEX, Citi, & Chase

Yes, Amex and Citi are both 6 months between CLIs, no sooner...   I don't know about the Chase Amazon.

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 11/2020: EX 780 ✦ EQ 771 ✦ TU 781
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My AAoA: 3.8 years not incl. AU / 4 years incl. AU
My AoOA: 7.10 years not incl. AU / 9.10 years incl. AU
Inquiries: EX 0/6 | 1/12 ✦ EQ 1/6 | 2/12 ✦ TU 0/6 | 1/12
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Message 2 of 8
CreditAggie
Senior Contributor

Re: SP CLI Requests for AMEX, Citi, & Chase

Chase CLIs are hard pulls. 

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 3 of 8
cws-21
Regular Contributor

Re: SP CLI Requests for AMEX, Citi, & Chase


@CreditAggie wrote:

Chase CLIs are hard pulls. 


@CreditAggie, thanks for the reply. Are you certain about Chase being a hard pull? I have read others indicating the same thing. However, the CSR who I spoke with said he checked my account and there was not a SF CLI offer for me, which, to me, suggested either 1) there may be an offer at some point or 2) he didn't know what he was talking about.

Message 4 of 8
CreditAggie
Senior Contributor

Re: SP CLI Requests for AMEX, Citi, & Chase


@cws-21 wrote:

@CreditAggie wrote:

Chase CLIs are hard pulls. 


@CreditAggie, thanks for the reply. Are you certain about Chase being a hard pull? I have read others indicating the same thing. However, the CSR who I spoke with said he checked my account and there was not a SF CLI offer for me, which, to me, suggested either 1) there may be an offer at some point or 2) he didn't know what he was talking about.


I haven't heard of Chase having SP CLI "offers," but they can sometimes give auto-CLIs. Maybe that was what the CSR was thinking of? 

Common advice I see is that you are typically better off applying for a second Chase card and then reallocating limits rather than requesting a CLI on an existing card. I have also seen DPs suggesting that you also need to be under 5/24 in order to have a CLI approved just like applying for a new card. 

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 5 of 8
cws-21
Regular Contributor

Re: SP CLI Requests for AMEX, Citi, & Chase


@CreditAggie wrote:

 

I haven't heard of Chase having SP CLI "offers," but they can sometimes give auto-CLIs. Maybe that was what the CSR was thinking of? 

 

Common advice I see is that you are typically better off applying for a second Chase card and then reallocating limits rather than requesting a CLI on an existing card. I have also seen DPs suggesting that you also need to be under 5/24 in order to have a CLI approved just like applying for a new card. 


@CreditAggie, thanks. Your posts confirm what I have read. You're also probably correct about what the CSR meant. Either way, I didn't have any "offer" anyway and I certainly didn't want a HP just for a CLI.

Message 6 of 8
cws-21
Regular Contributor

Re: SP CLI Requests for AMEX, Citi, & Chase

Thank you to everyone who replied. You have confirmed my suspicions.

Message 7 of 8
cws-21
Regular Contributor

Re: SP CLI Requests for AMEX, Citi, & Chase

Can anyone verify that SF CLIs can be requested, via phone calls, no earlier than 6 months for Wells Fargo? Thanks.

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