I've checked periodically for CLI eligibility since I opened the card but the Chase app has always said "no offers available at this time". Last week when I logged in I was finally able to request a CLI (card opened 7/22) so I pulled the trigger. I received a notice of a 7-10 day review and the following day they sent me an electronic letter that they couldn't access my TU report. I unfroze it and called the number they listed...after a soft pull and a conversation asking for more details around items on my report (including asking why I opened new accounts last year ) they said they would notify me of the decision. They also asked me how much I was looking for and I didn't have a good answer so I told them double my existing limit ($3K). I haven't received a notification but when I logged in today I noticed my CL has increased by $1K to $4K total. Something is better than nothing; just $1K away from the $100K club.
As a sidenote, I knew my reports were frozen at the time I requested the CLI but I was under the assumption they could still pull it for a SP since I already had the card and I see soft pulls all the time from other institutions. Learning point for me.
Congrats on your Chase CLI
Congratulations on your limit increase! I just recently learned too that Chase needs our credit to be unfrozen for their soft pull approvals!
Congrats on the Chase limit increase!
Thanks for the reminder on the soft pull/frozen report data point. We should keep spreading that around as much as possible to save people some time!
Thanks for the reminder on the soft pull/frozen report data point. We should keep spreading that around as much as possible to save people some time!
@keekers wrote:I've checked periodically for CLI eligibility since I opened the card but the Chase app has always said "no offers available at this time". Last week when I logged in I was finally able to request a CLI (card opened 7/22) so I pulled the trigger. I received a notice of a 7-10 day review and the following day they sent me an electronic letter that they couldn't access my TU report. I unfroze it and called the number they listed...after a soft pull and a conversation asking for more details around items on my report (including asking why I opened new accounts last year ) they said they would notify me of the decision. They also asked me how much I was looking for and I didn't have a good answer so I told them double my existing limit ($3K). I haven't received a notification but when I logged in today I noticed my CL has increased by $1K to $4K total. Something is better than nothing; just $1K away from the $100K club.
As a sidenote, I knew my reports were frozen at the time I requested the CLI but I was under the assumption they could still pull it for a SP since I already had the card and I see soft pulls all the time from other institutions. Learning point for me.
Congrats on the CLI, next time shoot for the moon if you want 3k ask for 9k they just going to give you less if it is too much. No harm in being bold about it.
Now you just need to call navy fed, and see if you can find 1k more!
