Chase Freedom flex Minor CLI

FalconSteve · ‎05-03-2023

I have been checking and FINALLY got the option to request a CLI. Well, Chase granted my wife about a 24% increase. It was a ok since they've never auto-CLIed her like everyone else I know (maybe because they started lower and have lower scores). At least the limit ends in $500 instead of $300. It was a $2200 increase (it hasn't applied yet, apparently it can take 24 hours). $10,300 to $12,500 limit. I'm happy that they moved at all on the limit because we've also been told that the card is targeted for closing on card expiration, even though by then we started using then we had started using it again (we took 2 months off of that card [payments only] and we had a balance then because it was 0% APR with the cash in a 4-5% savings account- it still is, but I can't stand having debt).

Now I just need TBoM (The Bank of Missouri) to increase my limit on my SoFi Card.

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800-->$13k CL- AU, wife
3/9/20 Truist Rewards $11k SL- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k-->$12k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k-->$19k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8k-->24.3k CL
8/2/23 Discover $8k SL

Chazzay12 · ‎05-03-2023

Congrats! 24% is surely nothing "minor"! Besides... no matter what the Cli is it always feels so good Congrats again!! 🎉

Starting Score: 580s
Current Score as of May 2024: EX 668, TU 671, EQ 646
Goal Score: 700+, working on paying high utl cc debt

Take the myFICO Fitness Challenge

CreditAggie · ‎05-03-2023

Congratulations on DW's CFF CLI!

Current Cards (in order of approval):

Current FICO 8 | 9 (October 2024):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

alextercero · ‎05-03-2023

Congrats on the CLI

Current Credit Cards

NFCU More Rewards | CL $3000 | APR 18.00% | 08/2021

Capital One Quicksilver One | CL $6600 | APR 32.24% | 09/2021

Capital One Quicksilver | CL $5500 | APR 32.24% | 02/2022

NFCU Cash Rewards | CL $1500 | APR 18.00% | 06/2022

NFCU Cash Rewards | CL $4900 | APR 24.24% | 02/2024

NFCU Go Rewards | CL $25000 | APR 14.14% | 03/2024

Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (May 2024)

Credit Age:

Inquiries:

M_Smart007 · ‎05-03-2023

Grats to the CLI.

nytokyobred79 · ‎05-03-2023

Congrats on your cli

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $211, 000 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
(pc'd from SkyMiles Platinum back to Blue)
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20K | CL- $40.5K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $39.8K
BOA Unlimited Cash SL: $20.8K| CL $10.8K(moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K

NoMoreDebt · ‎05-04-2023

congrats on the cli

AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX CHARLES SCHWAB INVESTOR CARD $28,900 CL/ AMEX MORGAN STANLEY BLUE CASH $5K CL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $5000 SL/ AMEX BLUE CASH EVERYDAY $18,000 / FIDELITY REWARDS VISA $23,500 SL/ CITI COSTCO ANYWHERE VISA $6000 SL

SOCKDRAWER/ PAYPAL CREDIT LINE $1700/NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL

JoeRockhead · ‎05-04-2023

Nice, congratulations on your CLI!

CreditMagic7 · ‎05-04-2023

@FalconSteve wrote:
I have been checking and FINALLY got the option to request a CLI. Well, Chase granted my wife about a 24% increase. It was a ok since they've never auto-CLIed her like everyone else I know (maybe because they started lower and have lower scores). At least the limit ends in $500 instead of $300. It was a $2200 increase (it hasn't applied yet, apparently it can take 24 hours). $10,300 to $12,500 limit. I'm happy that they moved at all on the limit because we've also been told that the card is targeted for closing on card expiration, even though by then we started using then we had started using it again (we took 2 months off of that card [payments only] and we had a balance then because it was 0% APR with the cash in a 4-5% savings account- it still is, but I can't stand having debt).

Now I just need TBoM (The Bank of Missouri) to increase my limit on my SoFi Card.

Congratulations on the DW's CFF CLI!

FalconSteve · ‎05-04-2023

@Chazzay12 wrote:
Congrats! 24% is surely nothing "minor"! Besides... no matter what the Cli is it always feels so good Congrats again!! 🎉

True- Any CLI feels good!

I think I was spoiled by AmEx's 3x CLI. 24% would have felt great if it wasn't the first.

Actually, anything from Chase is pretty great!

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800-->$13k CL- AU, wife
3/9/20 Truist Rewards $11k SL- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k-->$12k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k-->$19k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8k-->24.3k CL
8/2/23 Discover $8k SL