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Chase Auto CLI and Amex Hilton Aspire 7-10 day.

dberryhill
Valued Contributor

Chase Auto CLI and Amex Hilton Aspire 7-10 day.

The credit gods giveth and they taketh away. Chase seems really bullish on me lately. For three of my credit accounts with them (CSP, FU, Freedom), they threw CLIs my way. 

 

Freedom: 3k-->5k (I don't really use this one outside of the revolving)

FU: 4500-->6500

CSP: 13500-->20500

 

Sort of nice to have such auto CLIs happening, especially given where I started (fairly thin credit file and a pretty poor score). I find it a little odd that there have not been any CLIs for the Amazon Prime Visa. Still at the intro balance of 5300. Then again, I don't really make a ton of big purchases on that card--just Prime grocery, whole foods, and whatever things I get through Amazon. 

 

On the other hand, I got a 7-10 day from Amex when I tried to increase my CLI for the Hilton Aspire. Still stuck at the intro line of 3100. This may be because of a higher balance (60% given I had to put a big work trip on it). I believe I have to wait 90 days to try again, so will do so then. 

 

I think a mortgage is in my future (just took the inquiry hit on my score for a pre-approval letter), so probably going to garden for some time after this. Only new product in my future is a PC of my CSP to a CSR. I am really leaving a ton of points out there (my main spend is restaurants and basic travel) and keep forgetting to actually do it. 

 

For reference of markers:

 

2/2017

TU: 600

EXP: 605

 

5/2019- FICO 8

TU: 710

EXP: 690

EQ:705

 

Income: 148k

Inquiries: 5 (3 drop off in about 1-3 months)

AAoA: 2 years, 2 months

Util: 48% (this is way high right now, but about to drop significantly)

Bourbon and bow ties.
Current Cards:



2020 Goals:
$100K total CL (through organic/soft pull growth; COMPLETE!)
750+ across bureaus
No real goal cards for now
Garden Forever.
Message 1 of 11
10 REPLIES 10
gdale6
Moderator

Re: Chase Auto CLI and Amex Hilton Aspire 7-10 day.

Grats on all the CLIs, dont forget you can move CL around with Chase, might want to kick that individual util down on that one card.

Message 2 of 11
xaximus
Valued Contributor

Re: Chase Auto CLI and Amex Hilton Aspire 7-10 day.

Congrats on the auto-CLIs!


Scores - All bureaus 756 +
TCL - Est. $275K
Message 3 of 11
doinit1
Valued Contributor

Re: Chase Auto CLI and Amex Hilton Aspire 7-10 day.

Very nice!! Congrats on your multiple increases with one bank...pretty impressive from my view.....Smiley Happy

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 4 of 11
Cred4All
Valued Contributor

Re: Chase Auto CLI and Amex Hilton Aspire 7-10 day.

Congrats on the increases....  and from Chase none the less .... and THREE times as well.   Some of us are sitting here fishing an empty pond for that Chase Auto CLI Smiley Happy.


Message 5 of 11
Steve891
Senior Contributor

Re: Chase Auto CLI and Amex Hilton Aspire 7-10 day.

Congrats on your Chase Auto luv! Smiley Very Happy




Message 6 of 11
dberryhill
Valued Contributor

Re: Chase Auto CLI and Amex Hilton Aspire 7-10 day.


@Cred4All wrote:

Congrats on the increases....  and from Chase none the less .... and THREE times as well.   Some of us are sitting here fishing an empty pond for that Chase Auto CLI Smiley Happy.


Thanks! It was a little shocking to me as well. They are sort like CLI ninjas for me--keep sneaking up. It might help that I have been a banking customer of theirs since 2008. 

 

A little bummed about the Amex CLI denial still, as I would like to get that higher before a big trip to Europe that I'd like to take in the fall (and get the points and resort credits, etc.). Guess I will just have to try again in the future when I get the utilization lower (which will be in the next month or so). 

Bourbon and bow ties.
Current Cards:



2020 Goals:
$100K total CL (through organic/soft pull growth; COMPLETE!)
750+ across bureaus
No real goal cards for now
Garden Forever.
Message 7 of 11
MrDFinance
Established Contributor

Re: Chase Auto CLI and Amex Hilton Aspire 7-10 day.

Congrats on the auto luv ....

May I ask how long the chase accounts were open for? ....
Gardening....TCL: 100k+
Message 8 of 11
M_Smart007
Epic Contributor

Re: Chase Auto CLI and Amex Hilton Aspire 7-10 day.

Congratulations, on The new spending power!!

Message 9 of 11
credit_is_crack
Valued Contributor

Re: Chase Auto CLI and Amex Hilton Aspire 7-10 day.

Chase auto-CLI's are not common so whatever you're doing, do more of it! Congrats! 

Message 10 of 11
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