Upcoming Auto-CLI on my CFU

[OmarGB9]

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@Mdowning30 wrote:

Im understanding this the hard way, starting my credit card journey late in the game at 30 years old and dealing with the "messy middle" its frustrating.

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Understandable, but just stay the course and you'll slowly build up to good credit. I'm 28 and having yo rebuild already, and it wasn't even due to going on crazy shopping sprees or anything; I simply overextended myself trying to help family out and am now paying the price. But I digress. Anyway, as they say, credit is a marathon, not a sprint, so patience is key.

[Mdowning30]

Not concerned anymore lol Thanks to my 2 approvals with Discover and Amex ! Going to the garden now for sure 

[RobynJ]

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@Mdowning30 wrote:

Not concerned anymore lol Thanks to my 2 approvals with Discover and Amex ! Going to the garden now for sure 

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Be careful, Chase has and WILL AA for credit seeking. You're in with a good CCC but can easily lose it if you keep app'ing just an fyi. I don't have much room to talk as I did similar but the only difference I think is mine are all secured and I have no baddies. I'm in the garden now and can't wait for 6-12 months go by. 

[SPChaser]

Pre-COVID, I've had as high as $7000 for a auto-CLI, and post-COVID, as high as $5000. Of course, this would only be possible with heavy spend. Chase loves the swipes. 

P.S.edited for further clarification. 

[Anonymous]

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@RobynJ wrote:

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@Mdowning30 wrote:

Not concerned anymore lol Thanks to my 2 approvals with Discover and Amex ! Going to the garden now for sure 

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Be careful, Chase has and WILL AA for credit seeking. You're in with a good CCC but can easily lose it if you keep app'ing just an fyi. I don't have much room to talk as I did similar but the only difference I think is mine are all secured and I have no baddies. I'm in the garden now and can't wait for 6-12 months go by. 

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I wonder if my CFF hasn't gotten an increase bc I apped for 5 more cards after getting it on Sep. last year lol.  Maybe should be thankful that I didn't lose it in the 1st place? But all other cards got an increase except Best Buy which I used only once. Maybe I'll get it after 9 months(currently it's 7 months). This card has been my daily driver, heavy spend throughout, PIF many times per month.

Anyway I salute your prudence, I didn't know anything last year lol, hence indiscriminate apping and getting declined, into January this year.

[Anonymous]

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@FinStar wrote:

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@OmarGB9 wrote:

Chase auto-CLI isn't guaranteed. I'd temper expectations. 

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This ^^^

Generally, Chase auto-CLIs are not very frequent and sporadic -- they can occur at different intervals, whether it's 6 months, 8, 10, 12, etc. There is really not much to gauge because these automatic decisions are algorithmic and not all accounts receive an auto-CLI despite usage and periodic reviews. You can place yourself on the radar for consideration by using the account quite a bit, though.

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Right.   I don't remember when I got my first Chase card (long since closed) but I got Chase Amazon in 2004.   No auto-CLI till last year (there seemed to be a lot of that at once) so not something to count on regularly!  And that was my only Chase auto-CLI.

[disdreamin]

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@SPChaser wrote:

Pre-COVID, I've had as high as $7000 for a auto-CLI, and post-COVID, as high as $5000. Of course, this would only be possible with heavy spend. Chase loves the swipes. 

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Curious how much you are putting through the cards to get those CLI's. I put my heaviest spend on one of my Chase cards and I have yet to see an auto CLI from them in recent memory.