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Called in for Chase SP CLI

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SweetCreditObsession
Valued Contributor
‎03-05-2023 07:40 PM
‎03-05-2023 07:40 PM

Re: Called in for Chase SP CLI

@Gunnerboy - you did the right thing. I planned to decline if it was going to be an HP.

 

I told a relative about this and they just got two SP CLIs on their Chase cards.

 

Sorry it didn't work out for you this time. Several of us were told it's a new policy. It's possible the rep you spoke to was misinformed, so you can always try again to get someone else or try again at another time.

 

Best wishes!



(+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 21 of 33
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nytokyobred79
Valued Contributor
‎03-05-2023 07:44 PM
‎03-05-2023 07:44 PM

Re: Called in for Chase SP CLI

@SweetCreditObsession wrote:

After reading @Blender's post on the Credit Cards board, I decided to call to ask for a CLI (the site said I wasn't eligible). 

 

The rep was awesome and told me they recently changed their policy and they inquiry would be soft. 

 

I got approved for $6k...taking me from $7600 -> $13,600. Needless to say, I'm happy.

 

I've had the card a little over a year and a half. Carried balances for months at a time and paid it off. My most recent pattern has been to charge a min of $200-500 per month and PIF, or carry a balance of less than 10% and PIF.

 

I'm 3/24.

Right on! Congratz. 
And I do hope that others will be eligible down the road if not now. Sharing the love...😊

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $218,900 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20 | CL- $12K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $72K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K
Message 22 of 33
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nytokyobred79
Valued Contributor
‎03-05-2023 07:51 PM
‎03-05-2023 07:51 PM

Re: Called in for Chase SP CLI

@Gunnerboy wrote:

So, online my account showed no CLI was available at this time.  Curious, I decided to call and request one. The agent advised me that it would be a hard inquiry, so I told her to disregard the request, that my reports were frozen.  I didn't want to get into a dialog about a new SP CLI policy.

I called for both of mine towards end of last month and was told they would be hp's but I had some to spare so I agreed. Never got hp's in the end and my reports were thawed. Not sure if mine was a timing thing in my case. But it's risky so I firmly agree you made the right decision in the end. But it may be worth calling back in a week or so. You may get a different agent then. 

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $218,900 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20 | CL- $12K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $72K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K
Message 23 of 33
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SweetCreditObsession
Valued Contributor
‎03-05-2023 08:14 PM
‎03-05-2023 08:14 PM

Re: Called in for Chase SP CLI

@nytokyobred79, thanks and I agree that many others get to benefit from this policy change. 😀



(+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 24 of 33
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Chazzay12
Frequent Contributor
‎03-06-2023 05:05 AM
‎03-06-2023 05:05 AM

Re: Called in for Chase SP CLI

Wow, what a game changer! That's awesome. Congrats on your increase! 

Discover It (Student) $1500 | Capital One QS $2300 | Amex BCE $4800 | Chase FU $3200 | Amex Green NPSL | CSP $4200 | Discover it $3000
Car loan w/ Langley 3.5%
Homeowner since April 2023

Starting Score: 580s
Current Score as of May 2024: EX 668, TU 671, EQ 646
Goal Score: 700+, working on paying high utl cc debt

Take the myFICO Fitness Challenge
Message 25 of 33
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Mdowning30
Established Contributor
‎03-06-2023 05:56 AM
‎03-06-2023 05:56 AM

Re: Called in for Chase SP CLI

Very excited seeing these DP's now, guess im going to call in and ask on my cards and give yall an update soon.

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 26 of 33
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coreyb80
Super Contributor
‎03-06-2023 06:03 AM
‎03-06-2023 06:03 AM

Re: Called in for Chase SP CLI

Congrats on the increase!

Message 27 of 33
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krisssmmm
Regular Contributor
‎03-06-2023 06:38 AM
‎03-06-2023 06:38 AM

Re: Called in for Chase SP CLI

@Meanmchine wrote:

Congrats on the SP CLI

Do you have to unfreeze your reports forn this to work?

You do not have to unfreeze. I just got increase and all my reports are frozen. Good luck. 

Message 28 of 33
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Mdowning30
Established Contributor
‎03-06-2023 07:09 AM
‎03-06-2023 07:09 AM

Re: Called in for Chase SP CLI

Did you guys ask for how much you wanted specifically or they just approved whatever amount ?

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 29 of 33
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NoMoreDebt
Senior Contributor
‎03-07-2023 03:26 AM
‎03-07-2023 03:26 AM

Re: Called in for Chase SP CLI

congrats on the cli

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL
Message 30 of 33
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