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Chase Sapphire Reserve CLI

Established Contributor

Chase Sapphire Reserve CLI

Back in July I was approved for a CSR with a $19,200 limit. 


Live been using the card as my primary ever since--I needed to meet the $5,000 spend in 3 months to get the 50,000 bonus, DH and I had been planning a cruise so I put that on it, as well, and we eat out quite often. All told, I've put about $16,000 in spend through the card since July. I've been letting the card report with anywhere between $2,000-$7,500 each month except for this last one where I only allowed about $450 report. 


Just logged in and saw Chase has rewarded me with a $4,500 CLI for a total credit limit of $23,700--not bad, I wasn't sure if a CLI would ever happen! 

FICO 8: EQ 818 / TU 808 / EX 802
AMEX Platinum / BofA Cash Rewards Visa Sig $69,000 / AMEX EveryDay $30,000 / Chase CSR $23,700 / Citi Double Cash $25,600 / Discover It $26,000 / JetBlue Plus WEMC $25,000 / CapOne QuickSilver $9,450 / Chase Freedom $1,500 / Lowe's $35,000
Message 1 of 9
Regular Contributor

Re: Chase Sapphire Reserve CLI


ONE stubborn 30 day late still showing in TU: 6 yrs 10 mos ago
Gardening until May 2021 (or later....we shall see) ***Chase 1/24***
Message 2 of 9
Established Contributor

Re: Chase Sapphire Reserve CLI

Congratulations! The CSR is a great travel card and you have a terrific SL.


Chase is all about maximum credit exposure. As long as you haven't maxed out with them, a CLI is possible.


My problem--and the reason I'll never get one--is that Chase considers my Ink Business Preferred card part of my overall exposure. The Ink Preferred card (which essentially is the business version of the CSR) has a $100K SL and 10 of my staff are AUs. Even though the company pays the bills for that card, Chase still insists on counting that SL as part of my personal credit exposure. As a result, I'm likely maxed out and may never see a CLI on my personal cards!




Message 3 of 9
Established Contributor

Re: Chase Sapphire Reserve CLI

Congrats on the CLI. Enjoy the cruise.

~~ Former Royal Navy Submariner - Proud to have served ~~
Message 4 of 9
Community Leader
Super Contributor

Re: Chase Sapphire Reserve CLI

Congrats on the increase!

Message 5 of 9
Established Contributor

Re: Chase Sapphire Reserve CLI


I received my CSR back in October with $19,500 SL. I reached the $4000 spend requirment in a month in a half. I hope to receive a CLI after 3-6 months. Your post gives me hope, for this is the only CC I currently use, which has the lowest limit unfortunately.

Message 6 of 9
Senior Contributor

Re: Chase Sapphire Reserve CLI

Congratulations on your CLI!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:

On the chopping block:

Message 7 of 9
Senior Contributor

Re: Chase Sapphire Reserve CLI

Congrats on your CLI !!!!


8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 8 of 9
Regular Contributor

Re: Chase Sapphire Reserve CLI


interesting information - did you learn about this from a conversation with a Chase UW?  ...the max exposure part. 

can you flat out ask "what's the maximum exposure you're willing to grant?"


regarding max out - are you referring to 'currently maxed out' or 'maxed out at any point in time'?


like an idiot I maxed out  my Chase Freedom a couple years ago before realizing that hurt my already bad credit rating.  Didn't know about utilization ....anyway, hope to get my Chase cards' CLs increased over time with some help from autoCLIs, would stink to have to burn 3 HPs to get 3 cards increased and then another HP for whenever it's time to try to get a different account/rewards program.  

started tracking Experian - Starting Score:523 | Current Score:672 | Goal Score:740
now tracking all 3

Take the myFICO Fitness Challenge
Message 9 of 9
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