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Accidental Chase CLI

luxlight
Regular Contributor

Accidental Chase CLI

Hello all, I've had my Chase Freedom for about a year and 6 months with my Freedom Unlimited. However, I looked at my account today and noticed my credit line on the Unlimited went from $3700 -> $7200 automatically. When i called them today, they said my account automatically received the upgrade without any request from me. I don't know if it's related or not but i tried to put two charges a couple days ago that would have used up 2x the limit i originally had on my unlimited. Compared to my other credit cards, the limits on my freedom cards were low but now they're about in line with what I was hoping for. Is it a strategy to go over your credit limit to force a CLI from banks?



FICO 8 Scores

TU: 743 [2 Inquiry] | EQ: 742 (FAKO) [0 Inquiry] | EX: 753 [4 Inquiries]


AAoA = 2 years, AAoOA = 3 year 1 months

Message 1 of 19
18 REPLIES 18
fredzos
Regular Contributor

Re: Accidental Chase CLI

congrats on the auto cli from chase!

 

hoping one day i can get that on my cards








6% Util
PERSONAL

BUSINESS




Gardening Start 9/18/2020
Message 2 of 19
cashorcharge
Valued Contributor

Re: Accidental Chase CLI

Auto-CLI's are the best!

That's terrific!  Congratulations on your approval!! 🎉🥂

 

Message 3 of 19
AllZero
Mega Contributor

Re: Accidental Chase CLI

Congratulations on your PCLI!
Message 4 of 19
M_Smart007
Epic Contributor

Re: Accidental Chase CLI

Congratulations on your Increase!!

Message 5 of 19
Girlzilla88
Valued Contributor

Re: Accidental Chase CLI

@luxlight    I dont' know if it's a Trigger per say but I do know they like to see heavy spend and High payments (quickly or at a time) that's how I got my Auto love from them after a few months of having the card <3       How do you mean you Tried to do 2 large charges like they said no but then turned around and gave you the CLI?!?    I'm curious so I can maybe try this in the future haha










Message 6 of 19
CreditAggie
Senior Contributor

Re: Accidental Chase CLI

Congratulations on your CFU auto-CLI!

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 7 of 19
Jordan23ww
Valued Contributor

Re: Accidental Chase CLI

Congratulations on your limit increase!

 




Message 8 of 19
MartyWrite75
Valued Contributor

Re: Accidental Chase CLI

Congratulations on your CLI!

September 2021: Experian 717 Equifax 705 Transunion 725


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS1: $4,100 (Sock drawer) || Discover It: $4,900 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $1,000 || Amazon Prime Store Card: $6,000 || Overstock Store Card: $7,550 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $2,000

Wishlist Cards:
Citi Double Cash || Paypal Mastercard || Cap One Savor || Citi Custom Cash

Gardening from 03/18/2021 to 04/18/2023 (ideally)
Total Utilization: 9%
Inquiries: Exp: (4) Trans: (1) Equif: (0)
Message 9 of 19
luxlight
Regular Contributor

Re: Accidental Chase CLI

 For the two charges, I saw them pending on my account after the purchases but checking it again today, both were gone from pending and from the posted charges as well. I didn't get any email or notification that the charges were blocked when I first made the purchase either. Only thing that tipped me off was I had a seperate $1k charge get blocked today after i made those 2 large purchases and when I called Chase, they said they blocked the $1k  but didnt touch the 2 previous large ones (totalling a little under $7k) and noted that I had received an auto CLI. 

 

Not super pertinent but history is (With my accounts with them, I've only carried  a balance once over 4ish months during the 0% apr period but outside of that, I just pay my statements in full on both cards. Came within a couple percent of my limit once in the past copule months but paid it off once the statement cut as well. Usually hit 50% utilization on it most of the time i've had the card)



FICO 8 Scores

TU: 743 [2 Inquiry] | EQ: 742 (FAKO) [0 Inquiry] | EX: 753 [4 Inquiries]


AAoA = 2 years, AAoOA = 3 year 1 months

Message 10 of 19
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