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Chase CLIs....

afbar1114
Valued Contributor

Chase CLIs....

I know chase CLIs are HPs but since I have three and wanted CLIs on all of them how would I go about doing that in six months?
AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 1 of 27
26 REPLIES 26
wreith
Frequent Contributor

Re: Chase CLIs....


@afbar1114 wrote:
I know chase CLIs are HPs but since I have three and wanted CLIs on all of them how would I go about doing that in six months?

You might get an auto CLI at 6 months I did, I went from $800 to $1100.  Hopefully you will get the same niceness from Chase. Smiley Happy

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Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $12K, CareCredit $13.2K, Chase Freedom $5000, Walmart $4500, Lowes $9800, QVC $1200, HSN $2350, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $4K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $7800
Message 2 of 27
MrShush
Valued Contributor

Re: Chase CLIs....

The only auto I got from Chase was on the JPM Select. I made a few big purchases and a couple of big payments subsequently. I don't even think it was 6 months old (the card I mean) and went from 7K to 18K unrequested. Means very little because it is a hidden trade line, but if I wanted to reallocate CLs later, it would be helpful.

Message 3 of 27
afbar1114
Valued Contributor

Re: Chase CLIs....

I have CSP and united both at $5,000 and freedom at $1,500
AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 4 of 27
MrShush
Valued Contributor

Re: Chase CLIs....


@afbar1114 wrote:
I have CSP and united both at $5,000 and freedom at $1,500

Freedom Visa Signature: $6500 (September or October 2011)

Slate Visa: $7000 (Same as Freedom)

JPM Select Visa Signature: $18,000 (April or May of 2012)

Marriott Premier Visa Signature: $20,000

 

I use the Freedom the most and never an auto. I just got (December 2012) the Marriott and put about $1300 through it and paid to zero. No auto.

Message 5 of 27
drkaje
Senior Contributor

Re: Chase CLIs....

What CLI amount would be worth a HP, considering how long you've had their products?


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Message 6 of 27
MrShush
Valued Contributor

Re: Chase CLIs....


@drkaje wrote:

What CLI amount would be worth a HP, considering how long you've had their products?


Yeah, a dice roll at best. You never know what any lender is going to come back with in terms of increases. Jump the gun too early and that HP might only be worth a few hundred bucks.

Message 7 of 27
navigatethis12
Valued Contributor

Re: Chase CLIs....

Chase is not always the best with giving credit limit increases, as you experienced when you tried to get one for the Freedom card. You may likely end up with three hard inquiries and barely any incresaes, if at all. They will not use the same inquiry for different cards, unless you get a nice analyst.

Message 8 of 27
drkaje
Senior Contributor

Re: Chase CLIs....

I know everyone loves big limits but considering how much he's app'd in the last two years (I've been reading posts here) and the amount of time with Chase,  they may feel it's too much too soon. Worse yet, they may think needing so much and closing accounts is a red flag.

 

You never know what odd factors are used in algorithms to extend credit. Amex denied a CLI with a better overall credit/debt profile than when they approved me, LOL!


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Message 9 of 27
afbar1114
Valued Contributor

Re: Chase CLIs....


@MrShush wrote:

The only auto I got from Chase was on the JPM Select. I made a few big purchases and a couple of big payments subsequently. I don't even think it was 6 months old (the card I mean) and went from 7K to 18K unrequested. Means very little because it is a hidden trade line, but if I wanted to reallocate CLs later, it would be helpful.


What do you mean by hidden credit line?

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 10 of 27
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