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Surprise CLI on Chase Freedom Card!

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New Visitor

Surprise CLI on Chase Freedom Card!

Hi all,

 

 

I've received a lot of helpful information from other people's experiences published in this forum in the past, so I thought I'd share my own experience.

 

I applied for and received my Chase Freedom card this June with a credit limit of $3400. This was my second credit card (after a CapitalOne secured card with a limit of $800). My credit score is around 720. I use this card rather heavily, but always pay off the balance in full.

 

Today I couldn't understand why my available credit was larger than my credit limit. Turns out it was because I received a $1500 suprise CLI on my Freedom card! Not sure what prompted this CLI -- I didn't ask for one. I did update my income information recently to reflect an extremely small increase in my annual income.

 

Just wanted to let people know that Chase Freedom CLIs do happen sometimes!

Message 1 of 10
9 REPLIES 9
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Moderator

Re: Surprise CLI on Chase Freedom Card!

Welcome to the forums and congrats!  Most likely the combination of heavy use, paying in full, and updating the income triggered the automatic increase.  That is a unicorn for a lot of us, though.

Message 2 of 10
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Valued Contributor

Re: Surprise CLI on Chase Freedom Card!

As already stated, congrats on the Unicorn CLI! 


Message 3 of 10
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New Visitor

Re: Surprise CLI on Chase Freedom Card!

Thanks! I'm still pretty excited about it, haha

Message 4 of 10
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Senior Contributor

Re: Surprise CLI on Chase Freedom Card!

Congratulations on your CLI and welcome to the forums!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 659, EQ- 651
What's in my wallet:



On the chopping block:

Message 5 of 10
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Frequent Contributor

Re: Surprise CLI on Chase Freedom Card!

Nice!!!!!!!!! Congratulations!!!
Message 6 of 10
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Established Contributor

Re: Surprise CLI on Chase Freedom Card!

Congratulations!

 

AutoCLIs are soooo nice.



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Message 7 of 10
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Valued Contributor

Re: Surprise CLI on Chase Freedom Card!

Congrats on the rare auto-luv from Chase. Definitely a rarity around here.


Scores - All bureaus 756 +
TCL - Est. $275K
Message 8 of 10
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Established Contributor

Re: Surprise CLI on Chase Freedom Card!

Good for you! I've had mine for eight months and no CLI. Lots of usage and PIF every month. Guess I'll see what happens in February when its raise time.

Message 9 of 10
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Valued Contributor

Re: Surprise CLI on Chase Freedom Card!

Congrats! I do love the surprise of Chase CLIs. 

Bourbon and bow ties.
Current Cards:



2020 Goals:
$100K total CL (through organic/soft pull growth; COMPLETE!)
750+ across bureaus
No real goal cards for now
Garden Forever.
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