Chase Freedom CLI!

Anonymous · ‎01-02-2013

My wife and I are going on a cruise over spring break this year and I wanted to pay it with my Chase card instead of my debit card for numerous reasons. However, it was more than my credit limit and Chase customer care would not authorize a one time charge above my limit. Because of this, I finally decided to bite the bullet and request an increase and just take the hard pull.

Customer care told me it would be reviewed and they would mail me their decision 7-10 days later. I knew what that meant, so I called the backdoor number to recon. After asking me some questions about my other high balances (very high Best Buy on an 18 month no-interest deal) and relatively high Capital One cards since they have extremely low limits, he approved me for an increase from $1500 to $3500! Despite my other cards having a high balance, he commented that I used my Chase card a lot (I usually pay it off in full at least twice a month) and had a good history with them so far.

Between my first auto increase and this, I have now gone from $1000 when I got this card last March to $3500. It is so nice to have a card that actually grows with you. I am also thrilled with how great Chase was upon recon. Instead of just spitting out what the computer said, he took the time to ask me about the specific flags their computer didn't like so I could explain those situations. So thrilled with Chase right now and definitely glad I didn't waste that inquiry. It is a bummer though because had previously been inquiry free since last March, but it was definitely worth it!

john398 · ‎01-02-2013

congrats

jsickz32 · ‎01-02-2013

Congrats! I also had to recon a cli

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

LesWH · ‎01-02-2013

Congratulations!!

NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014

Shogun · ‎01-02-2013

Congrats on the CLI.

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

Epcot · ‎01-02-2013

Nice, Congrats on the increase, Enjoy your cruise!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841

SnackTrader · ‎01-02-2013

Yay! Congrats!

In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015

Cadillac-XTS · ‎01-02-2013

Congrats

bichonmom · ‎01-02-2013

Congrats! I see from your siggy you are lucky enough to be with PSECU. That will grow with you big time, too! (Unfortunately, I missed their out of state cut off by a few hours!)

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

FloridaState12 · ‎01-02-2013

Lucky duck! I had to practically twist their arm just to give me a $500 CLI.

Then I asked for more and they said they wanted to see if I used the now $1000 CL before they upped it anymore...well the whole damn reason I wanted a bigger CL is so I can use the card more. I can't get much more use out of it with a measly $500 more. I ran so much money through that card with a little tiny limit and paid it off and they still screwed me. /rant

I'm happy for you though. At least someone got some love