Chase Auto CLI

BuildingBetterCredit2020 · ‎08-11-2022

So I've been putting a fair bit of spend through my CFU that I picked up in August of last year. I've been hoping to get an auto increase on that since they started me with almost a toy limit of $5600. So far, nothing. On the other hand, I've had my CSP since 2020 and they started me at $9900. I've put in a fair bit of spend through that since then. So far, I got an auto-CLI on that card this past Jan which bumped me up to $14,900. I slowed the spend a little since then since I already got the SUB. I just got an email this afternoon for another auto-CLI on this card up to $25,200. Additionally, last month I picked up the United Explorer card and out of the gate they gave me $15K. While I'm pretty happy with how they've treated me, I don't know what I have to do to get the CFU to auto-CLI. Maybe they want me to shift my limits around.

May 2022

KingRue8500 · ‎08-11-2022

Congrats on your Chase Sapphire Preferred Auto CLI

ZackAttack · ‎08-11-2022

That definitely seems like a nice auto CLIs. I only wish they did that with my freedom flex card. I barely gotten into Chase's credit because I had no clue about the 5/24 and 1-yr length of credit needed. But when I was open I gotten the Visa Student card. I was a bit bummed that they only given 1k CL on the card but eh. According to the terms of the card, since I did 6 PIF payments in the beginning of the card they had to do a SP which only gave me 200 CLI ... wish whop. To this day I wish they given me another CLI without taking a hard pull.

Based on the Chase Amazon pull on Aug 7, it seems like Chase is willing to give a decent credit line (10k on card) and the APR was only 0.75-1% APR off from the lowest APR given. It tells me that it seems like Chase likes my profile based on that APR. I wish they had given more than 10k on the card so I can transfer it to the flex card. :eyes: oh well.

Loans
Ford Credit Car Loan 2-year 6/7/2021 ($241.96/month)
Closed
Michigan Schools & Gov't CU Titanium 1/4/2019 - 10/2/2020
Ford Credit Car Loan 3-year 7/31/2018-6/6/2021
Discover Card 10/2/2020 - 8/18/2021
Citi DC 10/14/2020 - 12/11/2021
$8,000 DCU Personal Loan 5-year 5.99% 10/2/2020 - 4/30/2021
$8,000 NFCU CashRewards 1/2/2021 - 7/30/2022
$5,000 MSGCU Personal Loan 3-year 7.75% 4/22/2022 - 10/30/2022

nytokyobred79 · ‎08-12-2022

@BuildingBetterCredit2020 Congrats on your CSP auto-love. I need to put a bit more spend on my card bc I haven't gotten anything from Chase since getting my CSR in January. Granted, most of my spend goes to my AMEX cards so there's that.

Rebuild Started in 2019
Total Revolving CL- $185,000 | Opened Cards
Delta SkyMiles Platinum- SL-$1K | CL- $13.5K
(pc'd from SkyMiles Blue)
Delta SkyMiles Reserve- SL- $10K | CL- $26K
Chase Sapphire Reserve- SL $20K | CL- $29K
Cap 1 Venture Rewards- SL $10K | CL $ 15K
Amex Everyday Preferred- SL $13.1K
Chase Freedom Unlimited: SL $23.4K | CL $46.8K
BoFA Unlimited Cash SL: $20.8K
BoFA Travel Rewards SL: $20.8K
Inquiries: EX 7 | TU 2 | EQ 1
Fico 8 EX 729, TU 732 EQ 790
* I went about 20 years without credit cards bc I had ruined my financial health back in 99 as a junior in college. Never thought a creditor would touch me again but somehow I had the courage to apply for a card in 2019 when I turned 40. More mature and with much better financial literacy, things changed for the better.

Mdowning30 · ‎08-12-2022

I wouldnt call $5600 a toy limit especially for the CFU. I was approved at the minimum SL $500. Congrats on the CLI.

Starting Score: 512
Current Score: 682
Goal Score: 700+
Take the myFICO Fitness Challenge

SDMarik · ‎08-12-2022

Grats on the CSP limit increase!

"When prosperity comes, do not use all of it"

CreditAggie · ‎08-12-2022

Congratulations on your Chase auto-CLI!

Current Cards (in order of approval):

Current FICO 8 | 9:

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

babygirl1256 · ‎08-13-2022

Congrats on your Chase auto-CLI.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850