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Odd auto CLI on Chase World of Hyatt Visa

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Super Contributor

Odd auto CLI on Chase World of Hyatt Visa

1.  Trust me when I tell you that Chase does not love me. It took me quite awhile to qualify for any Chase card, and I've never been able to qualify for any of their core cards. And on the last several occasions I've applied for the one card I want, I was turned down unceremoniously for having too many new accounts. On top of that... my scores have been deteriorating lately due to high utilization.

 

2.  Bizarrely I just noticed that the total of the (a) available credit and (b) current balance on my World of Hyatt Visa card has increased from the usual $8,000 to $10,500, meaning I've been visited by a unicorn -- the elusive Chase auto CLI.  Quite odd that I haven't received an email, a letter, nothing... commemorating this momentous event Smiley Happy

 

3. Data points: FICO 8's are presently EQ 716, TU 752, EX 734; Chase almost always pulls EX for me; historically I used the card regularly, but not in large numbers; the only thing I've been doing different lately is that (a) this month I put 2 large purchases on the card, representing about 2/3 of the credit limit, then paid it mostly down, and (b) out of desperation, I've been making some use of Chase's 0% APR balance transfer offers (which I hate to use because they're always accompanied by a 3% balance transfer fee) on my 2 other Chase cards; on this card I've never had a balance transfer offer. This card originally came with a big starting credit limit, most of which I transferred to another card that had a balance transfer offer.

 

Maybe it was the big purchases.


Total revolving limits 646000 (570000 reporting) FICO 8 EQ 712 TU 739 EX 727

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13 REPLIES 13
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Valued Contributor

Re: Odd auto CLI on Chase World of Hyatt Visa

Congrats! SJ for the happy surprise. 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (05/20/2020): FICO 08 EXP: 743; TU: 751; EQ: 759
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 2 of 14
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Community Leader
Super Contributor

Re: Odd auto CLI on Chase World of Hyatt Visa

Congrats on the auto luv

Message 3 of 14
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Moderator

Re: Odd auto CLI on Chase World of Hyatt Visa

Congrats on your increase

Message 4 of 14
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Super Contributor

Re: Odd auto CLI on Chase World of Hyatt Visa

Congratulations on your auto CLI!
Message 5 of 14
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Valued Contributor

Re: Odd auto CLI on Chase World of Hyatt Visa

Congrats on the CLI!

Message 6 of 14
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Established Contributor

Re: Odd auto CLI on Chase World of Hyatt Visa

Auto love, even from the ones who give you the stink-eye, is the best love! Congrats!



Chase Sapphire Reserve 18.5k
Chase Freedom Unlimited 11.7k
American Express Bonvoy Brilliant 22.5k
Barclays Aviator Red 4k
Citi Double Cash 12k
Amazon Store Card 10k

Fico 8s as of 05/01/2020:





Message 7 of 14
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Super Contributor

Re: Odd auto CLI on Chase World of Hyatt Visa

I've updated my original post to include what was probably the single most important data point, which I'd forgotten.... that for the first time in the 2 1/2 years I've had the card I put 2 large purchases on it, representing about 67% of the credit limit. I'm guessing that that was the primary reason for the CLI.

 

Usually my spend on the card is in the neighborhood of 2 to 3% of the limit.

 

 

 

 


Total revolving limits 646000 (570000 reporting) FICO 8 EQ 712 TU 739 EX 727

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Valued Contributor

Re: Odd auto CLI on Chase World of Hyatt Visa

Congratulations on the auto CLI with Chase!





Message 9 of 14
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Community Leader
Mega Contributor

Re: Odd auto CLI on Chase World of Hyatt Visa

Congrats SJSmiley Happy. Nice to see the good guy(s) finally scoring some Chase luvSmiley Happy.
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