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Chase FU Auto-CLI

Established Contributor

Re: Chase FU Auto-CLI

@TIPPY-BOB wrote:

What's your theory? Mine might be the same. 

Nothing super detailed, but the one time I got an auto CLI from Chase, it was after I had carried a large balance (over 50% as I recall) for several months and then paid it off. The CLI, from $12k to $16k, showed up on the next statement.  Sample size was 1, but it felt like more than a coincidence. This was maybe two years ago. 

I had also paid them a bunch of interest on that balance, so I wonder if that helped encourage them to give me more rope. 

What's yours?

Message 11 of 21
Valued Contributor

Re: Chase FU Auto-CLI

Congrats on the increase!

Message 12 of 21
Established Contributor

Re: Chase FU Auto-CLI

Congratulations on your auto limit increase! Great to see Chase do this! 


Message 13 of 21
Established Contributor

Re: Chase FU Auto-CLI

Cool. Congrats 

Message 14 of 21
Epic Contributor

Re: Chase FU Auto-CLI


popcorn eating emoticon.gif
Message 15 of 21
Valued Member

Re: Chase FU Auto-CLI

Same thing. I had a similar experience with Capital One. And interestingly, for the cards I pay off in full monthly (paying no interest), I've yet to receive an auto increase. Also, some cc companies seem to reward carrying a balance between 30-50% with auto increases, which seems to encourage balance carrying. Of course, their incentive is earning interest, which is their business. 

Message 16 of 21
Valued Contributor

Re: Chase FU Auto-CLI

Congratulations on your CLI!!

Message 17 of 21
Valued Contributor

Re: Chase FU Auto-CLI

Congratulations on the surprise auto CLI!

Current as of February 21st
TCL $126.6 - 2.#%UTL || - SL Balance $20.6K
FICO 08 EQ723, TU725, EX725 || Mortgage Scores: EQ 724, Tu 694, EX 726


Restarted my rebuild in April 2018

Gardening until Emerald Spade - Accomplished. 1st App on the list is AODFCU, next is TBD
Last apps: (2) August 18, 2019. Instant approvals but one account opened on the 19th
Inquiries: EQ/TU/EX (0 / 3 / 1) - 0/6 0/12 4/24 (based on DPs; 5/24, an AU from 8/16/2019) IHG
Dirty/Thick/Aged/ No New Acoounts

Message 18 of 21
Frequent Contributor

Re: Chase FU Auto-CLI

Congrats on your Chase FU Auto CLI🎉👍

Starting Score: 541
Nov 15 2020 score: EQ FICO8 635, TU8 636, EX8 644
Dec 15 2020 score: EQ FICO8 633, TU8 658, EX8 661
Jan 15 2021 Score EQ FICO8 698, TU8 689, EX8 706 Goal Score: All Scores 760+,

In the garden since 1/28/21
Recently App. 1/3/21 & 1/23/21
What will you attempt to do if you knew could not Fail?
Message 19 of 21
Valued Contributor

Re: Chase FU Auto-CLI

@Curious_George2 wrote:



I have a half-baked theory about these. Would you mind sharing more details about what your usage has been? Specifically, I'm wondering if you recently paid off a balance that had been high. And did you pay them any interest along the way?

Great question @Curious_George2 you got me thinking too, so I went back and checked my activity for 2020 to present.

  • Set the FU to handle many of my auto-renewals monthly, starting August 2020 (About $900/mth)
  • No interest charged during 2020 due to PIF
  • Possible Trigger: 2 charges were put on here ($3100 and $3,200) which ultimately did result in interest as I did not PIF in January. $3,000 remainining statement balance carried into February from these charges which could've made the CLI lords happy.

Message 20 of 21
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