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Unexpected Chase CLI

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Valued Member

Unexpected Chase CLI

I was surpised (and pleased) to log in to my Chase account today and see that they'd raised the CL on my IHG card from 2k to 5k, with no request from me (nor notification from them). I've only had the card for 3+ months. Would have been nice to have access to the 5k on the international trip I took back in Dec, haha, but I can't complain too much for the initial 2k CL, seeing as it was my first Chase card and all (also, they gave me 5k on my second card from the get-go).

EX (Fico 8): 713 TU (Vantage 3): 728 EQ (Vantage 3): 718
Amex Platinum; Amex ED $5,000; Chase Ink Unlimited $8,000; Chase Marriott Rewards Premier Plus Business $5,000; Chase IHG Premier $5,000; Amex Delta Platinum $5,000; CapOne Quicksilver One $500
Oldest account: March 2018; Youngest account: May 2019
Store cards: Amazon (Synchrony) $1,000; Adorama (Comenity) $750
Goals: EX 740 by 2020
Wanted cards: Chase Sapphire Reserve; Chase Ink Preferred; Hilton Aspire; Chase World of Hyatt; Schwab Plat; Amex Gold
Message 1 of 12
11 REPLIES 11
Established Contributor

Re: Unexpected Chase CLI

Congratulations on the CL!


Message 2 of 12
Valued Contributor

Re: Unexpected Chase CLI

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS on the AWESOME Chase CLI!!!

AMEX BCE $4K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $15.5K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
TCL - 100K+ | Rebuilding since April 2018
Message 3 of 12
Valued Contributor

Re: Unexpected Chase CLI

Congrats! Have you given them a lot of spend?

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (6/24/2019): FICO 08 EXP: 726; TU: 744; EQ: 700
2019 Goal Score: 800 across the board


Take the myFICO Fitness Challenge
Message 4 of 12
Valued Member

Re: Unexpected Chase CLI


@James_A wrote:

Congrats! Have you given them a lot of spend?


I came close to maxing it out the first month, and used about 50% of the CL the other two months (after MSR).

EX (Fico 8): 713 TU (Vantage 3): 728 EQ (Vantage 3): 718
Amex Platinum; Amex ED $5,000; Chase Ink Unlimited $8,000; Chase Marriott Rewards Premier Plus Business $5,000; Chase IHG Premier $5,000; Amex Delta Platinum $5,000; CapOne Quicksilver One $500
Oldest account: March 2018; Youngest account: May 2019
Store cards: Amazon (Synchrony) $1,000; Adorama (Comenity) $750
Goals: EX 740 by 2020
Wanted cards: Chase Sapphire Reserve; Chase Ink Preferred; Hilton Aspire; Chase World of Hyatt; Schwab Plat; Amex Gold
Message 5 of 12
Senior Contributor

Re: Unexpected Chase CLI

COngrats on super rare auto luv CLI !!!!

 

 

3-2019 / Fico 8 EX 802 , EQ 803 , TR 805
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 6 of 12
Frequent Contributor

Re: Unexpected Chase CLI

Congratulations on your ACLI 😎.
Capital One Quicksilver 6,300
5/3 Truly Simple 2,300
5/3 Trio 3,200
Barclay Apple 1k
Citi Rewards+ 6,100
Citi Double Cash 8,300
Citi Simplicity 1,500
Home Depot 1,000
Discover 7,500
BB&T Rewards 4,500 Fico 8 Scores EQ=701 EX=632 TU=644 Scores and CL current as of 4/19/19 AAoA=7yr6months AoOA=17yrs
Message 7 of 12
Contributor

Re: Unexpected Chase CLI

Coooooool!  

 

I wonder if they saw your foreign transactions and said, "hey, we better give this person a lot more dough to play with!"  

 

Grats - 

Started 4/2018 - TU 637
3/2019 TU 785 EX 778 EQ 782
4/2019 TU 800 EX 764 EQ 784


Discover it $3,000
Chase Freedom Unlimited $8,900
AMEX Blue Cash Everyday $6,000
Message 8 of 12
Valued Member

Re: Unexpected Chase CLI


@BlueOak wrote:

Coooooool!  

 

I wonder if they saw your foreign transactions and said, "hey, we better give this person a lot more dough to play with!"  

 

Grats - 


Haha, didn't think of that! And actually, the majority of the transactions on the card are always foreign transactions, even after my trip: I made my girlfriend, who lives in Asia, an AU on the card, and she uses it for her day-to-day expenses.

EX (Fico 8): 713 TU (Vantage 3): 728 EQ (Vantage 3): 718
Amex Platinum; Amex ED $5,000; Chase Ink Unlimited $8,000; Chase Marriott Rewards Premier Plus Business $5,000; Chase IHG Premier $5,000; Amex Delta Platinum $5,000; CapOne Quicksilver One $500
Oldest account: March 2018; Youngest account: May 2019
Store cards: Amazon (Synchrony) $1,000; Adorama (Comenity) $750
Goals: EX 740 by 2020
Wanted cards: Chase Sapphire Reserve; Chase Ink Preferred; Hilton Aspire; Chase World of Hyatt; Schwab Plat; Amex Gold
Message 9 of 12
New Contributor

Re: Unexpected Chase CLI

Thats great. Chase doesn't do this often. Lucky you.

Current Portfolio:

Under Consideration:
Message 10 of 12