Just wanted to share data points about my recent CLI with Chase:
In August I foolishly apped for CSP with 720+ FAKO (and several negative student loans reporting) thinking the score couldn't be that different. Of course it was off by at least 40 points so I was just barely approved at $5000. In less than a month I had my negatives removed leaving only a four year old 30-day late they wouldn't remove no matter how many times I submitted my payment receipt. I got my FICO scores up to around 740-760.
In Nov I apped for the Freedom due to 5/24 rule. I wasn't ready for it, but I had accepted a new DCU card and didn't want to get left out of maximizing my UR points for two years. After approving me for the Freedom, Chase auto-bumped my CSP to $6000.
I really like the CSP, but just one trip drives up my UTIL so much. I needed the limit to be at least 10K, but wasn't sure if I could get there taking a HP after hearing other people's stories. The consensus seemed to be to wait until the one year mark to make the most of my HP and establish a relationship with Chase.
I will have a new car loan reporting soon and I figured that will cause a score dip for awhile and keep me from getting a CLI in September so I decided I would just try for it. I sent a secure message requesting a CLI. I requested 20K and to help ensure it I included my husband's income as they allow. (I typically don't.) I received the 7-10 day message which made me nervous. June 6th received a HP on EX and EQ. (Chase always double pulls me.) Today I checked my account and my new limit is $20,000!
