Chase Sapphire Preferred CLI $1,500 HP Approval

[ultimaterewardsguy357]

I am very ecstatic about this CL because I can now upgrade to a CSR at the end of September (One Year CSP-versary!) I was hoping for a denial and here's how it went down:

3/31/2021

Called the number on the back of my CSP, I requested a CLI of $1,500 and was denied. I was transferred over to a credit analyst who told me that I was denied due to "card has recently had a credit limit increase". I spoke to the credit analyst and mentioned that I did move CL from my CFF in order to get my card to $10,000 so that I can upgrade to the CSR after year one. I mentioned my payment history, low utilization, income change, responsible use of the card, etc. The credit analyst took my information again (Gross Annual Income, Monthly Rent, Employment Status, etc.) and I waited 8 minutes. BOOM! Approved! $10,000 CL.

Backstory

September 29, 2020 was barely approved having gone through recon twice. Recon mentioned to me that I could apply for a CLI at anytime after my first statement if my credit report changed.

November 12, 2020 I was denied due too many opened accounts (6/24) at the time and the senior analyst told me that I had too many accounts under a year old. I decided to wait the 6 months.

CSP CLI Timeline

9/29/2020, SL $5,000

11/12/2020, CL $7,500 (moved $2,500 from CFF)

12/12/2020, CL $8,500 (moved $1,000 from CFF; $1,000 min. CL on CFF)

3/31/2021, CL $10,000 (HP $1,500 CLI)

Data Points:

5/24 Status: 7/24

TU Inquiries: 2 (6 Months); 4 (12 Months); 12 (24 Months)

UTI: 5%

FICO 8 Scores: EX 774, EQ 765, TU 759

AAoA: 4 years

Credit History Length: 13 years

Income: $65K - $74K

Current Cards:

1. Citi Double Cash Card, $9,000, opened 3/2017 (AU)

2. Discover It Cash Back, $4,000, opened 12/2019

3. Merrick, $2,500, opened 1/2020 (Still debating closing this guy - Disco at $5K???)

4. Amex Gold Card, No Pre-Set SL, opened 3/2020

5. Chase Sapphire Preferred, $10,000, opened 9/2020

6. Chase Freedom Flex, $1,000, opened 10/2020

7. Blue Business Plus, $2,000, opened 1/2021

8. The Platinum Card from Amex, No Pre-Set SL, opened 1/2021

9. CitiBusiness / AAdvantage Platinum Select, $11,000, opened 3/2021

[ultimaterewardsguy357]

3/31/2021

Called the number on the back of my CSP, I requested a CLI of $1,500 and was denied. I was transferred over to a credit analyst who told me that I was denied due to "card has recently had a credit limit increase". I spoke to the credit analyst and mentioned that I did move CL from my CFF in order to get my card to $10,000 so that I can upgrade to the CSR after year one. I mentioned my payment history, low utilization, income change, responsible use of the card, etc. The credit analyst took my information again (Gross Annual Income, Monthly Rent, Employment Status, etc.) and I waited 8 minutes. BOOM! Approved! $10,000 CL.

Backstory

September 29, 2020 was barely approved having gone through recon twice. Recon mentioned to me that I could apply for a CLI at anytime after my first statement if my credit report changed.

November 12, 2020 I was denied due too many opened accounts (6/24) at the time and the senior analyst told me that I had too many accounts under a year old. I decided to wait the 6 months.

CSP CLI Timeline

9/29/2020, SL $5,000

11/12/2020, CL $7,500 (moved $2,500 from CFF)

12/12/2020, CL $8,500 (moved $1,000 from CFF; $1,000 min. CL on CFF)

3/31/2021, CL $10,000 (HP $1,500 CLI)

Data Points:

5/24 Status: 7/24

TU Inquiries: 2 (6 Months); 4 (12 Months); 12 (24 Months)

UTI: 5%

FICO 8 Scores: EX 774, EQ 765, TU 759

AAoA: 4 years

Credit History Length: 13 years

Income: $65K - $74K

Current Cards:

1. Citi Double Cash Card, $9,000, opened 3/2017 (AU)

2. Discover It Cash Back, $4,000, opened 12/2019

3. Merrick, $2,500, opened 1/2020 (Still debating closing this guy - Disco at $5K???)

4. Amex Gold Card, No Pre-Set SL, opened 3/2020

5. Chase Sapphire Preferred, $10,000, opened 9/2020

6. Chase Freedom Flex, $1,000, opened 10/2020

7. Blue Business Plus, $2,000, opened 1/2021

8. The Platinum Card from Amex, No Pre-Set SL, opened 1/2021

9. CitiBusiness / AAdvantage Platinum Select, $11,000, opened 3/2021

[ultimaterewardsguy357]

3/31/2021

Called the number on the back of my CSP, I requested a CLI of $1,500 and was denied. I was transferred over to a credit analyst who told me that I was denied due to "card has recently had a credit limit increase". I spoke to the credit analyst and mentioned that I did move CL from my CFF in order to get my card to $10,000 so that I can upgrade to the CSR after year one. I mentioned my payment history, low utilization, income change, responsible use of the card, etc. The credit analyst took my information again (Gross Annual Income, Monthly Rent, Employment Status, etc.) and I waited 8 minutes. BOOM! Approved! $10,000 CL.

Backstory

September 29, 2020 was barely approved having gone through recon twice. Recon mentioned to me that I could apply for a CLI at anytime after my first statement if my credit report changed.

November 12, 2020 I was denied due too many opened accounts (6/24) at the time and the senior analyst told me that I had too many accounts under a year old. I decided to wait the 6 months.

CSP CLI Timeline

9/29/2020, SL $5,000

11/12/2020, CL $7,500 (moved $2,500 from CFF)

12/12/2020, CL $8,500 (moved $1,000 from CFF; $1,000 min. CL on CFF)

3/31/2021, CL $10,000 (HP $1,500 CLI)

Data Points:

5/24 Status: 7/24

TU Inquiries: 2 (6 Months); 4 (12 Months); 12 (24 Months)

UTI: 5%

FICO 8 Scores: EX 774, EQ 765, TU 759

AAoA: 4 years

Credit History Length: 13 years

Income: $65K - $74K

Current Cards:

1. Citi Double Cash Card, $9,000, opened 3/2017 (AU)

2. Discover It Cash Back, $4,000, opened 12/2019

3. Merrick, $2,500, opened 1/2020 (Still debating closing this guy - Disco at $5K???)

4. Amex Gold Card, No Pre-Set SL, opened 3/2020

5. Chase Sapphire Preferred, $10,000, opened 9/2020

6. Chase Freedom Flex, $1,000, opened 10/2020

7. Blue Business Plus, $2,000, opened 1/2021

8. The Platinum Card from Amex, No Pre-Set SL, opened 1/2021

9. CitiBusiness / AAdvantage Platinum Select, $11,000, opened 3/2021

[ultimaterewardsguy357]

3/31/2021

Called the number on the back of my CSP, I requested a CLI of $1,500 and was denied. I was transferred over to a credit analyst who told me that I was denied due to "card has recently had a credit limit increase". I spoke to the credit analyst and mentioned that I did move CL from my CFF in order to get my card to $10,000 so that I can upgrade to the CSR after year one. I mentioned my payment history, low utilization, income change, responsible use of the card, etc. The credit analyst took my information again (Gross Annual Income, Monthly Rent, Employment Status, etc.) and I waited 8 minutes. BOOM! Approved! $10,000 CL.

Backstory

September 29, 2020 was barely approved having gone through recon twice. Recon mentioned to me that I could apply for a CLI at anytime after my first statement if my credit report changed.

November 12, 2020 I was denied due too many opened accounts (6/24) at the time and the senior analyst told me that I had too many accounts under a year old. I decided to wait the 6 months.

CSP CLI Timeline

9/29/2020, SL $5,000

11/12/2020, CL $7,500 (moved $2,500 from CFF)

12/12/2020, CL $8,500 (moved $1,000 from CFF; $1,000 min. CL on CFF)

3/31/2021, CL $10,000 (HP $1,500 CLI)

Data Points:

5/24 Status: 7/24

TU Inquiries: 2 (6 Months); 4 (12 Months); 12 (24 Months)

UTI: 5%

FICO 8 Scores: EX 774, EQ 765, TU 759

AAoA: 4 years

Credit History Length: 13 years

Income: $65K - $74K

Current Cards:

1. Citi Double Cash Card, $9,000, opened 3/2017 (AU)

2. Discover It Cash Back, $4,000, opened 12/2019

3. Merrick, $2,500, opened 1/2020 (Still debating closing this guy - Disco at $5K???)

4. Amex Gold Card, No Pre-Set SL, opened 3/2020

5. Chase Sapphire Preferred, $10,000, opened 9/2020

6. Chase Freedom Flex, $1,000, opened 10/2020

7. Blue Business Plus, $2,000, opened 1/2021

8. The Platinum Card from Amex, No Pre-Set SL, opened 1/2021

9. CitiBusiness / AAdvantage Platinum Select, $11,000, opened 3/2021

[Anonymous]

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@ultimaterewardsguy357 wrote:

I am very ecstatic about this CL because I can now upgrade to a CSR at the end of September (One Year CSP-versary!) I was hoping for a denial and here's how it went down:

3/31/2021

Called the number on the back of my CSP, I requested a CLI of $1,500 and was denied. I was transferred over to a credit analyst who told me that I was denied due to "card has recently had a credit limit increase". I spoke to the credit analyst and mentioned that I did move CL from my CFF in order to get my card to $10,000 so that I can upgrade to the CSR in year one. I mentioned my payment history, low utilization, income change, responsible use of the card, etc. The credit analyst took my information again (Gross Annual Income, Monthly Rent, Employment Status, etc.) and I waited 8 minutes. BOOM! Approved! $10,000 CL.

Backstory

September 29, 2020 was barely approved having gone through recon twice. Recon mentioned to me that I could apply for a CLI at anytime after my first statement if my credit report changed.

November 12, 2020 I was denied due too many opened accounts (6/24) at the time and the senior analyst told me that I had too many accounts under a year old. I decided to wait the 6 months.

CSP CLI Timeline

9/29/2020, SL $5,000

11/12/2020, CL $7,500 (moved $2,500 from CFF)

12/12/2020, CL $8,500 (moved $1,000 from CFF; $1,000 min. CL on CFF)

3/31/2021, CL $10,000 (HP $1,500 CLI)

Data Points:

5/24 Status: 7/24

Current Cards:

1. Citi Double Cash Card, $9,000, opened 3/2017 (AU)

2. Discover It Cash Back, $4,000, opened 12/2019

3. Merrick, $2,500, opened 1/2020 (Still debating closing this guy - Disco at $5K???)

4. Amex Gold Card, No Pre-Set SL, opened 3/2020

5. Chase Sapphire Preferred, $10,000, opened 9/2020

6. Chase Freedom Flex, $1,000, opened 10/2020

7. Blue Business Plus, $2,000, opened 1/2021

8. The Platinum Card from Amex, No Pre-Set SL, opened 1/2021

9. CitiBusiness / AAdvantage Platinum Select, $11,000, opened 3/2021

UTI: 5%

FICO 8 Scores: EX 774, EQ 765, TU 759

AAoA: 4 years

Credit History Length: 13 years

Income: $65K - $74K

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Congratulations and how exciting you can get the much beloved CSR in September! 🥳🥳🥳 Thank you for supporting this forum with citing all your DP's so we can glean and learn. 🙏🏻🙏🏻

[Anonymous]

3/31/2021

Called the number on the back of my CSP, I requested a CLI of $1,500 and was denied. I was transferred over to a credit analyst who told me that I was denied due to "card has recently had a credit limit increase". I spoke to the credit analyst and mentioned that I did move CL from my CFF in order to get my card to $10,000 so that I can upgrade to the CSR in year one. I mentioned my payment history, low utilization, income change, responsible use of the card, etc. The credit analyst took my information again (Gross Annual Income, Monthly Rent, Employment Status, etc.) and I waited 8 minutes. BOOM! Approved! $10,000 CL.

Backstory

September 29, 2020 was barely approved having gone through recon twice. Recon mentioned to me that I could apply for a CLI at anytime after my first statement if my credit report changed.

November 12, 2020 I was denied due too many opened accounts (6/24) at the time and the senior analyst told me that I had too many accounts under a year old. I decided to wait the 6 months.

CSP CLI Timeline

9/29/2020, SL $5,000

11/12/2020, CL $7,500 (moved $2,500 from CFF)

12/12/2020, CL $8,500 (moved $1,000 from CFF; $1,000 min. CL on CFF)

3/31/2021, CL $10,000 (HP $1,500 CLI)

Data Points:

5/24 Status: 7/24

Current Cards:

1. Citi Double Cash Card, $9,000, opened 3/2017 (AU)

2. Discover It Cash Back, $4,000, opened 12/2019

3. Merrick, $2,500, opened 1/2020 (Still debating closing this guy - Disco at $5K???)

4. Amex Gold Card, No Pre-Set SL, opened 3/2020

5. Chase Sapphire Preferred, $10,000, opened 9/2020

6. Chase Freedom Flex, $1,000, opened 10/2020

7. Blue Business Plus, $2,000, opened 1/2021

8. The Platinum Card from Amex, No Pre-Set SL, opened 1/2021

9. CitiBusiness / AAdvantage Platinum Select, $11,000, opened 3/2021

UTI: 5%

FICO 8 Scores: EX 774, EQ 765, TU 759

AAoA: 4 years

Credit History Length: 13 years

Income: $65K - $74K

[Anonymous]

3/31/2021

Called the number on the back of my CSP, I requested a CLI of $1,500 and was denied. I was transferred over to a credit analyst who told me that I was denied due to "card has recently had a credit limit increase". I spoke to the credit analyst and mentioned that I did move CL from my CFF in order to get my card to $10,000 so that I can upgrade to the CSR in year one. I mentioned my payment history, low utilization, income change, responsible use of the card, etc. The credit analyst took my information again (Gross Annual Income, Monthly Rent, Employment Status, etc.) and I waited 8 minutes. BOOM! Approved! $10,000 CL.

Backstory

September 29, 2020 was barely approved having gone through recon twice. Recon mentioned to me that I could apply for a CLI at anytime after my first statement if my credit report changed.

November 12, 2020 I was denied due too many opened accounts (6/24) at the time and the senior analyst told me that I had too many accounts under a year old. I decided to wait the 6 months.

CSP CLI Timeline

9/29/2020, SL $5,000

11/12/2020, CL $7,500 (moved $2,500 from CFF)

12/12/2020, CL $8,500 (moved $1,000 from CFF; $1,000 min. CL on CFF)

3/31/2021, CL $10,000 (HP $1,500 CLI)

Data Points:

5/24 Status: 7/24

Current Cards:

1. Citi Double Cash Card, $9,000, opened 3/2017 (AU)

2. Discover It Cash Back, $4,000, opened 12/2019

3. Merrick, $2,500, opened 1/2020 (Still debating closing this guy - Disco at $5K???)

4. Amex Gold Card, No Pre-Set SL, opened 3/2020

5. Chase Sapphire Preferred, $10,000, opened 9/2020

6. Chase Freedom Flex, $1,000, opened 10/2020

7. Blue Business Plus, $2,000, opened 1/2021

8. The Platinum Card from Amex, No Pre-Set SL, opened 1/2021

9. CitiBusiness / AAdvantage Platinum Select, $11,000, opened 3/2021

UTI: 5%

FICO 8 Scores: EX 774, EQ 765, TU 759

AAoA: 4 years

Credit History Length: 13 years

Income: $65K - $74K

[Anonymous]

3/31/2021

Called the number on the back of my CSP, I requested a CLI of $1,500 and was denied. I was transferred over to a credit analyst who told me that I was denied due to "card has recently had a credit limit increase". I spoke to the credit analyst and mentioned that I did move CL from my CFF in order to get my card to $10,000 so that I can upgrade to the CSR in year one. I mentioned my payment history, low utilization, income change, responsible use of the card, etc. The credit analyst took my information again (Gross Annual Income, Monthly Rent, Employment Status, etc.) and I waited 8 minutes. BOOM! Approved! $10,000 CL.

Backstory

September 29, 2020 was barely approved having gone through recon twice. Recon mentioned to me that I could apply for a CLI at anytime after my first statement if my credit report changed.

November 12, 2020 I was denied due too many opened accounts (6/24) at the time and the senior analyst told me that I had too many accounts under a year old. I decided to wait the 6 months.

CSP CLI Timeline

9/29/2020, SL $5,000

11/12/2020, CL $7,500 (moved $2,500 from CFF)

12/12/2020, CL $8,500 (moved $1,000 from CFF; $1,000 min. CL on CFF)

3/31/2021, CL $10,000 (HP $1,500 CLI)

Data Points:

5/24 Status: 7/24

Current Cards:

1. Citi Double Cash Card, $9,000, opened 3/2017 (AU)

2. Discover It Cash Back, $4,000, opened 12/2019

3. Merrick, $2,500, opened 1/2020 (Still debating closing this guy - Disco at $5K???)

4. Amex Gold Card, No Pre-Set SL, opened 3/2020

5. Chase Sapphire Preferred, $10,000, opened 9/2020

6. Chase Freedom Flex, $1,000, opened 10/2020

7. Blue Business Plus, $2,000, opened 1/2021

8. The Platinum Card from Amex, No Pre-Set SL, opened 1/2021

9. CitiBusiness / AAdvantage Platinum Select, $11,000, opened 3/2021

UTI: 5%

FICO 8 Scores: EX 774, EQ 765, TU 759

AAoA: 4 years

Credit History Length: 13 years

Income: $65K - $74K

[AllZero]

Congratulations on your CLI! Thank you for sharing the data points.

[gdale6]

Interesting approach to get the CSR, grats on the cli

[MyFault]

Congrats on your CSP CLI!

[Credit4Growth]

@ultimaterewardsguy357 

Thank you for sharing details!

Congratulations on the CLI and when the time comes 👏 enjoy your CSR!

[CreditAggie]

Congratulations on your CSP CLI! Thank you for the DPs as well. We don't see many Chase HP CLI approvals here. 

[M_Smart007]

Congratulations!

[cashorcharge]

Happy that worked out in your favor!! That's terrific!  Congratulations on your approval!! 🎉🥂

[Anonymous]

Congrats on the CLI and on the upcoming CSR upgrade!

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@CreditAggie wrote:

Congratulations on your CSP CLI! Thank you for the DPs as well. We don't see many Chase HP CLI approvals here. 

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Is this because not many people here want to take the HP for a CLI or because they usually get denied?