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Suprise Auto CLI on Chase Freedom Unlimited & CapOne SAVOR One

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SummerOf17
Regular Contributor

Suprise Auto CLI on Chase Freedom Unlimited & CapOne SAVOR One

I have this card since 06/2017, they gave me $4,500 SL at the time. After several month I transferred some CL from my CSP, 3K to be exact, to it so the CL became $7,500.

 

I was riding 0% APR on this card till the end of October this year. Put a large expense on it in June, so at the end of Oct the balance was 4200.

 

Was at the Bank 10 days ago to see if I could get a lower APR on this card and the Rep said NO, so I also asked if they would increase CL on this card without doing a HP, just for kickers Smiley Happy. The Rep said NO again, but I did have SLATE in Offers section.

 

I politely declined & walked out, since my Plan B was to App for CapOne SAVOR card and do a BT at 0%. So I did, went home and got approved for a new SAVOR, $10,000. Cool Beans right? Smiley Wink . BTW, 1 HP per CRA for this new card.

 

So this Saturday I get my SAVOR card in the mail. Then logged in to do a BT from Chase Freedom Unlimited to SAVOR.

 

Boy do I see something ain't right... available credit number is waaaay too High.

 

Called Chase to see what is going on and CSR confirmed that I was given Auto CLI a week ago of $4,500!

 

Hmmm that was after I apped for SAVOR.

 

Making a $12K and no HP on any CRAs.

 

All in All, in the past 45 or so days:

 

Last baddie removed via EE.

12K CLI on Amex, from 6 to 18K

4.5K CLI on Freedom, from 7.5 to 12K

New 10K SAVOR card

Rased all FICO8 scores above 720

 

So,  26.5K in total CL increases with only 1 HP added to each CRA!

 

Another Boom ShaKaLaKa moment for me!

 

 

Message 1 of 14
13 REPLIES 13
Malcono
Regular Contributor

Re: Suprise Auto CLI on Chase Freedom Unlimited


Last baddie removed via EE.

12K CLI on Amex, from 6 to 18K

4.5K CLI on Freedom, from 7.5 to 12K

New 10K SAVOR card

Rased all FICO8 scores above 720

 

So,  26.5K in total CL increases with only 1 HP added to each CRA!

 


Well if that isn't a great month and a half idk what is.  

Congrats on all the CLIs and approvals.



                                                  
                                                                                              
Total Credit: $107,000Utilization: 1%AAoA: 2yrs, 4mthsAoOA: 3yrs, 1mthAoYA: 1yrs, 10mthsBaddies: 0

Message 2 of 14
xaximus
Valued Contributor

Re: Suprise Auto CLI on Chase Freedom Unlimited

Congrats on the baddie removal, the new card and the auto CLI! Awesome month!


Scores - All bureaus 770 +
TCL - Est. $410K
Message 3 of 14
19eighty5
Senior Contributor

Re: Suprise Auto CLI on Chase Freedom Unlimited

Congratulations!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:


Message 4 of 14
Anonymous
Not applicable

Re: Suprise Auto CLI on Chase Freedom Unlimited

CONGRAAAAATS!! Thats awesome. The same happened to me. I have CFU....I used it alot for the first four months, then logged on one day and my CL wasn't $7k anymore, it was $12k!!!! Go Chase!!! I have a quick question... How long did you have your Amex card till you got your CLI? Did you have a balance on the card when you apped for the CLI?  What was the process like? You do it online or cal CSR? I have had my Amex Magnet for two months, approaching three.  THANKS!!

 

Message 5 of 14
SummerOf17
Regular Contributor

Re: Suprise Auto CLI on Chase Freedom Unlimited

@MarkyMarkNYC - RE: How long did you have your Amex card till you got your CLI?...

It took me a while, see here: https://ficoforums.myfico.com/t5/Credit-Card-Applications/The-Definitive-Amex-3X-CLI-Guide/m-p/53734...

Message 6 of 14
SummerOf17
Regular Contributor

Re: Suprise Auto CLI on Chase Freedom Unlimited

What interesting is I just tried to call Cap One and see if I could get a higher CL on SAVOR. Rep explained me that I might me eligible in 3 month and it would be a SP. Always thought it is HP on CLIs with Cap One for some reason...

 

Anyway, things to do next from me:

1. Do figure out proper amount of BTs to make to keep balances below 9% on all outstanding cards with balances.

2. Switch back to only 1 card reporting a balance in the shortest period of time possible and Sock the ones that are at $0.

3. Crawl back the farthest corner of the Great & Beautiful Garden(Forgive me FICO, it has been 18 month since I have Apped, did sin with SAVOR Smiley Happy).

4. Oh and that $150  bonus on SAVOR after spending $500, my Significant Other will absolutely love the gifts for the Holidays!

5. While all the above is "cooking" - figure out a way to get to 760-770 for the House in the Summer(love thouse words)!

 

 

I know I could do IT.

 

 

Message 7 of 14
KingPredator
Regular Contributor

Re: Suprise Auto CLI on Chase Freedom Unlimited & CapOne SAVOR One

That’s awesome you got some auto luv from chase and congrats on the new Savor card. That’s on my list of cards to get in the next 6 months.
Message 8 of 14
Anonymous
Not applicable

Re: Suprise Auto CLI on Chase Freedom Unlimited & CapOne SAVOR One

Boom ShaKaLaKa!! Lol, Love it!!!! 😂 Chase did somewhat the same thing to me a couple months ago. I couldn't get an auto increase and I didnt want to request one and get a hard pull just for an increase. So, I decided to use that HP and app for a Discover for more credit instead. It wasn't long when all of a sudden, Chase finally showed me love and gave me that auto increase.
I have to admit that I'm very happy for you and your success as of late. Congratulations and keep up with the great work! I hope your SO gives you a nice Christmas too! 😁
Message 9 of 14
AverageJoesCredit
Legendary Contributor

Re: Suprise Auto CLI on Chase Freedom Unlimited & CapOne SAVOR One

Boom goes the dynamiteSmiley Happy
Message 10 of 14
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