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***Update*** HUGE CHASE CSP AUTO CLI

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Frequent Contributor

***Update*** HUGE CHASE CSP AUTO CLI

WOW!! ! I am in shock. 

 

Approved for Chase CSP on 5/3/2016 with a SL of $5,000

 

Have put about $12,000 through the card since then. Always making payments before it cycles and letting only a smaller balance or zero balance report.

 

Just logged in and saw my credit line had DOUBLED to $10,000 !!! WHOOOOOOOOOOOO HOOOOOOOOOOOOOO

 

FICO 08 | EX 671 | EQ 674 | TU 710

 

TCL | $85K  / $90K NOW

 

UTIL | AROUND 10%-15%

 

***More Details***

 

So I've been digging through what I may have done differently than other card holders. I really like the off cycle cra update Chase does for a PIF accounts.

 

Statement/Balance History:

 

Statement: 1 | 06-02-16

 

Purchses: $5,747.04

 

Pmts/Cred: $3,206.52

 

Balance: $2,540.52

 

**************************** PIF'D $1623 on 5/15, PIF'D $1583 on 5/26 = 2x Paying account to $0 balance

 

Statement: 2 | 07-03-16

 

Purchases: $785.58

 

Pmts/Cred: $3,090.47

 

Balance: $235.63

 

*************************** PIF'D $2540 on 6/18, PIF'D $528 on 6/28 = 2x Paying account to $0 balance

 

Statement: 3 | 08-02-16

 

Purchases: $2,523.44

 

Pmts/Cred: $2,636.51

 

Balance: $122.56

 

*************************** PIF'D $1732 on 7/21, PIF'D $791 on 7/30 = 2x Paying account to $0 balance

 

Statement: 4 | Recent Activity:

 

Paid: $224 on 8/8/16

 

Charged: $1577.89

 

Paid: $1577.89 on 8/20/16

 

Charged: $1327.55 <-current balance from back to school shopping lol

Jan 2016 FICO 8s EX 505 - EQ 526 - TU 495 *** May 2017 FICO 8s EX 696 - EQ 695 - TU 705 *** INQs - EX 10 - EQ 20 - TU 12 *** TCL $282,650
Barclay AA - $28k | Cap1 QS $26k | PenFed Plat $25k | NFCU Sig VS $24k | Chase CSP $20k | Chase Ritz $20k | Amex SPG $20k | BofA BBR $15k | NFCU LOC $15k | BofA CR $13.5k | Sync Lowe’s $12k | Citi AA $10.5k | Amex Delta Plat $10.4k | Marvel MC $8k | Citi Costco VS $7k | Sync Amazon $6.1k | Amex ED $2k | Amex BCP $1k | Amex PRG NSP / $25k Pay Over Time
16 REPLIES 16
Valued Contributor

Re: HUGE CHASE CSP AUTO CLI

Wow, that is amazing.

 

My DW got a CSP with 5k and got a 1k auto-CLI a while ago. I think this is the first time I read about a 5k card going to 10k with Chase auto-CLI.

 

Congrats.

Message 2 of 17
Frequent Contributor

Re: HUGE CHASE CSP AUTO CLI


@newhis wrote:

Wow, that is amazing.

 

My DW got a CSP with 5k and got a 1k auto-CLI a while ago. I think this is the first time I read about a 5k card going to 10k with Chase auto-CLI.

 

Congrats.


That's why I posted about it! When I got approved in May I was a little down about the SL especially because Chase is not known for CLI's. I've read posts from members who have had cards for years and no CLI Luv and most if they have gotten any were around the $1k-2k. This is a $5,000 increase after only the THIRD statement (8/2/16)

Jan 2016 FICO 8s EX 505 - EQ 526 - TU 495 *** May 2017 FICO 8s EX 696 - EQ 695 - TU 705 *** INQs - EX 10 - EQ 20 - TU 12 *** TCL $282,650
Barclay AA - $28k | Cap1 QS $26k | PenFed Plat $25k | NFCU Sig VS $24k | Chase CSP $20k | Chase Ritz $20k | Amex SPG $20k | BofA BBR $15k | NFCU LOC $15k | BofA CR $13.5k | Sync Lowe’s $12k | Citi AA $10.5k | Amex Delta Plat $10.4k | Marvel MC $8k | Citi Costco VS $7k | Sync Amazon $6.1k | Amex ED $2k | Amex BCP $1k | Amex PRG NSP / $25k Pay Over Time
Message 3 of 17
Regular Contributor

Re: HUGE CHASE CSP AUTO CLI

Surely has something to do with the $12k spend in a little over three months! Congratulations!  This is the first time I've heard of an auto-CLI from Chase at all, let alone one for $5k.  And it was a soft pull at that!

Message 4 of 17
Super Contributor

Re: HUGE CHASE CSP AUTO CLI


@cashcorp1 wrote:

WOW!! ! I am in shock. 

 

Approved for Chase CSP on 5/3/2016 with a SL of $5,000

 

Have put about $12,000 through the card since then. Always making payments before it cycles and letting only a smaller balance or zero balance report.

 

Just logged in and saw my credit line had DOUBLED to $10,000 !!! WHOOOOOOOOOOOO HOOOOOOOOOOOOOO

 

FICO 08 | EX 671 | EQ 674 | TU 710

 

TCL | $85K  / $90K NOW

 

UTIL | AROUND 10%-15%


Wow I guess they appreciate all that business you've thrown their way Smiley Happy Nice


Total revolving limits 730000 (603500 reporting) 10/2/19 FICO 8 scores: EQ 744 TU 782 EX 746
Message 5 of 17
Frequent Contributor

Re: HUGE CHASE CSP AUTO CLI


@needa926 wrote:

Surely has something to do with the $12k spend in a little over three months! Congratulations!  This is the first time I've heard of an auto-CLI from Chase at all, let alone one for $5k.  And it was a soft pull at that!


It's definitely my favorite card so I do get spendy with it. I was just floored. But I'll take it!

Jan 2016 FICO 8s EX 505 - EQ 526 - TU 495 *** May 2017 FICO 8s EX 696 - EQ 695 - TU 705 *** INQs - EX 10 - EQ 20 - TU 12 *** TCL $282,650
Barclay AA - $28k | Cap1 QS $26k | PenFed Plat $25k | NFCU Sig VS $24k | Chase CSP $20k | Chase Ritz $20k | Amex SPG $20k | BofA BBR $15k | NFCU LOC $15k | BofA CR $13.5k | Sync Lowe’s $12k | Citi AA $10.5k | Amex Delta Plat $10.4k | Marvel MC $8k | Citi Costco VS $7k | Sync Amazon $6.1k | Amex ED $2k | Amex BCP $1k | Amex PRG NSP / $25k Pay Over Time
Message 6 of 17
Regular Contributor

Re: HUGE CHASE CSP AUTO CLI

Congratulations!!  Wow!!

Message 7 of 17
Regular Contributor

Re: HUGE CHASE CSP AUTO CLI

Excellent Job! Congrats on this achievement. 

 

Im sitting in the corner waiting for my auto-cli haha.

Garden Until Jan 2021


Total Credit Line: 135K Inquires: TU 3 | EX 3 | EQ 2
Starting Score: TU 690 | EX 694 | EQ 694 [01/20/12]
Current Score: TU 797 Fico 8 | EX 805 Fico 8 | EQ 778 Fico 8 [4/26/19]
Goal Score: 790 across all 3


Take the myFICO Fitness Challenge
Message 8 of 17
Frequent Contributor

Re: HUGE CHASE CSP AUTO CLI


@notloso wrote:

Excellent Job! Congrats on this achievement. 

 

Im sitting in the corner waiting for my auto-cli haha.


I updated my first post with details about my statements/balances/payments I think the trick was the multiple times I've paid the account in full.  In 100 days or so since I opended the account, Chase has reported I think at least 5 PIF ($0) updates and the 3 regular cycle updates....that may be their internal scoring "key"

 

Heavy Use + PIF in same cycle ..system & scoring I assume are recording the updates/payments/times account is paid in full.

Jan 2016 FICO 8s EX 505 - EQ 526 - TU 495 *** May 2017 FICO 8s EX 696 - EQ 695 - TU 705 *** INQs - EX 10 - EQ 20 - TU 12 *** TCL $282,650
Barclay AA - $28k | Cap1 QS $26k | PenFed Plat $25k | NFCU Sig VS $24k | Chase CSP $20k | Chase Ritz $20k | Amex SPG $20k | BofA BBR $15k | NFCU LOC $15k | BofA CR $13.5k | Sync Lowe’s $12k | Citi AA $10.5k | Amex Delta Plat $10.4k | Marvel MC $8k | Citi Costco VS $7k | Sync Amazon $6.1k | Amex ED $2k | Amex BCP $1k | Amex PRG NSP / $25k Pay Over Time
Message 9 of 17
Senior Contributor

Re: ***Update*** HUGE CHASE CSP AUTO CLI

This is awesome OP great job and thank you for the data points included !
Message 10 of 17
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