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Another Chase SP CLI - requested by secure msg.

CreditMarathoner
Regular Contributor

Another Chase SP CLI - requested by secure msg.

On Friday, for science and also because I don't like talking on the phone, I sent a SM inquiring about a CLI on my CFU.

 

Saturday morning they replied back asking for my employment status, regular income, non taxable income, and my desired new credit line.  I threw in housing cost too for good measure.

 

I sent this info, and this morning (Sunday) I received my CLI.  My limit went from $3000 to my requested $5000.  I probably could have gotten more, but I'm credit conservative and don't need sky high limits.

 

So, it is possible to request a CLI using secure messages, it just takes longer (2 days in my case).  Providing the needed info in your initial request will save some back and forth.  If you need a faster answer, it's best to call.

 

My scores are in my sig and they confirmed it would be a soft pull.  I don't know what bureaus they soft pull for CLIs, but historically when I applied for cards with them, they always pulled EX and EQ for me.

 

EDIT: Forgot to mention my reports are frozen at all three majors + Innovis, so you can request CLIs with frozen reports no problem.

 

2 CLIs in the same month... that's a new record for me.  Smiley Happy

    
Open Tradelines: 4 Revolvers, 1 Mortgage / Garden Start Date: 10/1/2021 / Garden Goal: don't have one right now
TCL: $26,500 / AAoA: 8y6m / AoYA: 1y5m / Inqs: 1EX 0TU 1EQ / FICO8 Feb 2023: 848(TU) 843(EX)
Message 1 of 16
15 REPLIES 15
CitizenHobbes
New Contributor

Re: Another Chase SP CLI - requested by secure msg.

Congratulations! That's interesting that they asked you what increase you were looking for (I saw your replies in another thread listing the questions too)!

Current Cards:

Next Cards:



Message 2 of 16
Porsche_Enthusiast_911
Established Contributor

Re: Another Chase SP CLI - requested by secure msg.

congrats on the cli

Message 3 of 16
CreditMarathoner
Regular Contributor

Re: Another Chase SP CLI - requested by secure msg.


@CitizenHobbes wrote:

Congratulations! That's interesting that they asked you what increase you were looking for (I saw your replies in another thread listing the questions too)!


Yes, they said "if it applies to you."  So, you can request a specific amount, or if you don't, they'll just give you the most they're willing to give you.

 

    
Open Tradelines: 4 Revolvers, 1 Mortgage / Garden Start Date: 10/1/2021 / Garden Goal: don't have one right now
TCL: $26,500 / AAoA: 8y6m / AoYA: 1y5m / Inqs: 1EX 0TU 1EQ / FICO8 Feb 2023: 848(TU) 843(EX)
Message 4 of 16
jibc1978
Regular Contributor

Re: Another Chase SP CLI - requested by secure msg.

congrats on the CLI!




Credit Health:



Message 5 of 16
JoeRockhead
Valued Contributor

Re: Another Chase SP CLI - requested by secure msg.

Very nice, thanks for all the information, congratulations on your CLI!!


Message 6 of 16
Yasselife
Valued Contributor

Re: Another Chase SP CLI - requested by secure msg.

Congratulations on your Chase CLI! @CreditMarathoner 






Message 7 of 16
CreditMagic7
Super Contributor

Re: Another Chase SP CLI - requested by secure msg.

Congratulations on the soft pull Chase CLI!

Message 8 of 16
CreditAggie
Community Leader
Super Contributor

Re: Another Chase SP CLI - requested by secure msg.

Congratulations on your Chase CLI!

Current Cards (in order of approval):

            
Current FICO 8 | 9:  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 9 of 16
nytokyobred79
Established Contributor

Re: Another Chase SP CLI - requested by secure msg.

Congrats on your successful cli via secure message. As mentioned upthread, it's interesting they asked you for your desired limit bc they didn't when I requested by phone. Always interesting to see the variance. But good for you and others who may prefer an online request vs calling in. 

Rebuild Started in 2019
Total Revolving CL- $185,000 | Opened Cards
Delta SkyMiles Platinum- SL-$1K | CL- $13.5K
(pc'd from SkyMiles Blue)
Delta SkyMiles Reserve- SL- $10K | CL- $26K
Chase Sapphire Reserve- SL $20K | CL- $29K
Cap 1 Venture Rewards- SL $10K | CL $ 15K
Amex Everyday Preferred- SL $13.1K
Chase Freedom Unlimited: SL $23.4K | CL $46.8K
BoFA Unlimited Cash SL: $20.8K
BoFA Travel Rewards SL: $20.8K
Inquiries: EX 7 | TU 2 | EQ 1
Fico 8 EX 729, TU 732 EQ 790
* I went about 20 years without credit cards bc I had ruined my financial health back in 99 as a junior in college. Never thought a creditor would touch me again but somehow I had the courage to apply for a card in 2019 when I turned 40. More mature and with much better financial literacy, things changed for the better.
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