I just started my credit journey about 1 year and 3 months ago, didn't have an TL's before that. I got a chase freedom with a 700 score without even a year of revolving credit. I bank with them was maybe why they approved me?
I check my email and got a pleasant surprise yesterday. And auto CLI from 500 to 1000! It's been about 10 months (opened in November) I feel like I've been waiting for a while, but I'm new to credit, and figured if it didn't happen automatically at the 12 months I would ask for a cli and take the hard pull.
I have 6 TL's currently, one is a AU. I was able get get credit one to waive the monthly fee, and if they won't again I'll just cancel it. I have a 750 fico score and a car loan. I never thought in a year and a few months I could have a score this high, but thanks to this forum for helping me learn everything about credit and learning how to do it right!
I was concerned the chase card would never grow, but I use it like crazy, and pay it off right away, because it's the best rewards card I have. I read somewhere that might not be a good idea with chase, but only if you spend more than your reported income. Which I do not.
Hopefully I can get some cli's on my other cards soon, but so excited about this auto cli from chase! I guess if you actually use it, it might grow. I probably have spent 15,000 on that card in the last 10 month. In case anyone is wondering. Reported income at 95,000.
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