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.
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)!
congrats on the cli
@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.
congrats on the CLI!
Very nice, thanks for all the information, congratulations on your CLI!!
Congratulations on your Chase CLI! @CreditMarathoner
Congratulations on the soft pull Chase CLI!
Congratulations on your Chase CLI!
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.