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Automatic CLI After 107 Days on Chase Freedom Unlimited®

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BigOrange
New Contributor

Automatic CLI After 107 Days on Chase Freedom Unlimited®

My original post was here- https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Chase-Freedom-Unlimited-credit-card-approval-...

 

The card started with a measly 1100.00 CL likely because they were included in a BK back in 2010. I Have had a Discover Card with 12,500 CL for years. I actually had to call them to get it approved because they rejected it initially. 

My FICO score on citibank app is 825. 

 

Got an email today and they doubled it to 2200.00 haha. Not anywhere close to my other cards, but better than a rejection.

 

Can anyone tell me when I should apply for the Amazon Chase card? That is one I could really use for the rewards! RN I have the store card because they would not approve me years ago.

 

22 REPLIES 22
Beefy1212
Established Contributor

Re: Automatic CLI After 107 Days on Chase Freedom Unlimited®

You can try the Amazon pre-approval, however they do not take Chase's 5/24 rule into consideration on the pre-approval.

If you are near or above the 5/24 and feel you won't be approved you can try the affinity cash rewards visa signature card it has year round 5% at Amazon. It normally has additional rotating 5% categories but currently is running a bonus points for spend promo combined with the sub would be around 12-14% cb at Amazon for the next 3 months. 

It is unknown if the 5% rotating bonuses will return but as a strictly Amazon card is still one of the better no AF cards.

 

They only pull EX and are not inquiry or new account sensitive when I was approved 12 months ago I was 6/12 credit cards with an auto loan and 20+/24 inquiries (mostly from auto loan.



Message 2 of 23
CreditAggie
Community Leader
Super Contributor

Re: Automatic CLI After 107 Days on Chase Freedom Unlimited®

Congratulations on your CFU auto-CLI!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (June 2026):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 3 of 23
KingRue8500
Senior Contributor

Re: Automatic CLI After 107 Days on Chase Freedom Unlimited®

Congrats on your Chase Freedom Unlimited Auto CLI




Message 4 of 23
SweetCreditObsession
Valued Contributor

Re: Automatic CLI After 107 Days on Chase Freedom Unlimited®

Congratulations on the Chase auto-CLI resulting in doubling your original CL. 

 

Could you share a couple of DPs?What are your spend and payoff patterns?



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023





Message 5 of 23
coreyb80
Super Contributor

Re: Automatic CLI After 107 Days on Chase Freedom Unlimited®

Congrats on the increase!

Message 6 of 23
Mdowning30
Established Contributor

Re: Automatic CLI After 107 Days on Chase Freedom Unlimited®

You can go for the Amazon Prime Visa because they dont count 5/24 against that card, i got mine when i was at 5/24. Also i suggest you call in and request a higher CLI they will ask you how much want and with your score you can surely sacrifice a couple points.

 

My Freedom Flex started as a CFU with a $500 limit 1 year ago, after transfering some limits and 2 manual CLI requests, now its at $7500.

Chase Freedom Unlimited : $2000 | Discover It Chrome : $2700 | AmEx CS Investor : $6000 | Chase Sapphire Preferred : $2000 | Chase Amazon Prime : $600 | AmEx Hilton Surpass : $1000 | AmEx Business Plus : $2000 | AmEx Platinum CS : POT $2800 | Tower Federal CU : $15,000 | Lowes Commercial Account : $1,000 | WF Bilt Mastercard : $4,000 | Shell Fleet Plus : $1,000 | Truist Future Card : $6000 | USBank Smartly Card : $500 |
Starting Score: 512
Current Score: 700
Goal Score: 700+

Take the myFICO Fitness Challenge
Message 7 of 23
DeepDishEMT
Valued Member

Re: Automatic CLI After 107 Days on Chase Freedom Unlimited®

Congrats on the auto CLI Smiley LOL

BOA Unlimited Cash 1.87% - 19k
Fidelity 2% - 13k
Citi Diamond Preferred - 7.6k
FNBO Amtrak Guest Rewards Preferred - 6.7k
BOA Americard - 6k
Merrick Bank no AF - 2k
Message 8 of 23
cashorcharge
Community Leader
Super Contributor

Re: Automatic CLI After 107 Days on Chase Freedom Unlimited®

WooHoo!! Congratulations on your approval!! 🍾🥂🎉

Message 9 of 23
BigOrange
New Contributor

Re: Automatic CLI After 107 Days on Chase Freedom Unlimited®

First month spent 1206. Partially through the 1st statement, made a 900+ full payment before statement, then paid off the additional charges so the first statement was 0.00.

 

Second Statement one 260.00 charge, paid balance right after statement was issued.

 

Third Statement. 1100 in charges, payment during statement period, 437.00 balance at time of CLI.

Message 10 of 23
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