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It has been a personal quest of mine to like clockwork request higher credit limit increases every 6 months on my cards that don't do a hard pull.
I have two cards though that do hard pulls that I have never requested a CLI on, but I rarely use them. I was wondering if you anyone might have any personal insight into if I request an increase and did the Hard pull if they would increase.
My Chase Freedom current 10k limit sometimes I go months without using it. This is the oldest card I have, but I have never requested a CLI
PenFed Gas Card 24k I use around $200/mo.
The other cards I have are below
Discover It: 23,200 (they always give me very tiny CLIs, I've heard you can request ever month does anyone have experience with this?)
Citi Double Cash: 63,500 (Does anyone know the max limit on this card?)
Alliant: 50k (This is the highest limit they offer)
Amex Blue Cash: 52k (Every time I request a CLI now they request my tax returns, unless if I reduce my request to a couple thousand which is what I do)
Farmers Comenity 25k (I believe this is the highest limit they offer)
Banana Card Synchrony Card 10k (Does anyone know if they go higher?)
Amazon Prime Card 10k (Does anyone know if they go higher?)
The Chase Freedom earns UR points, are you gathering those UR points? Since the quarterly bonus is limited to $1,500 spend, not much point in going higher than the existing $10k limit. You certainly could, through the HP, though I don't have CLI experience on Chase. (well I got an auto increase on my Chase Freedom several months ago. Went from $1,500 to $3,000 auto CLI
)
The PenFed HP would get you to where they allow you. I did a HP in Jan 2018, my Promise card went from $16,500 to $35k from that HP.
Chase Freedom: Chase only does HP CLI's. It is very rare for them to give someone an auto-CLI. You would need to seriously stand out as a customer to get something automatically from them because they are a rather good judge of your needs. Chase is the largest issuer of credit cards by transactions and largest bank by deposits so they have a lot of resources to play with.
PenFed Gas Card: You must mean PenFed Platinum Rewards. Decent card but it really does not have 5% back on gas. You might want to look at better cards.
Discover It: You can ask every month and get a few hundred or wait a bit and they will give you the combined amount in one lump request. Discover figured out that by offering a little bit every month or two they keep the customers that are CLI happy.
Citi Double Cash: It is Citi. The max limit for the card is whatever you can afford or the max that they are willing to expose themselves to. Generally most banks get squeamish once the combined credit lines are 125k. If everything is on one card I would think 75-100k is where they will want to stop you but YMWV.
Alliant: Do you seriously need more than 50k anyway?
Amex Blue Cash: American Express is generally concerned about you being able to pay them back if you max your line. Once you get past 30k, 40k, or 50k(I do not remember which) they require proof of income. That is why they want the tax return.
Farmers Comenity: Comenity does have hard limits on some of their products. Perhaps you reached this one.
Banana Card Synchrony Card: This card maxes out at 10k if I remember correctly. Do you seriously need more at these stores?
Amazon Prime Card: The Synchrony Bank backed store card is limited to 10k. If you want a higher limit you need to fetch a Chase Amazon Prime Card.
@Anonymous wrote:It has been a personal quest of mine to like clockwork request higher credit limit increases every 6 months on my cards that don't do a hard pull.
I have two cards though that do hard pulls that I have never requested a CLI on, but I rarely use them. I was wondering if you anyone might have any personal insight into if I request an increase and did the Hard pull if they would increase.
My Chase Freedom current 10k limit sometimes I go months without using it. This is the oldest card I have, but I have never requested a CLI
PenFed Gas Card 24k I use around $200/mo.
The other cards I have are below
Discover It: 23,200 (they always give me very tiny CLIs, I've heard you can request ever month does anyone have experience with this?)
Citi Double Cash: 63,500 (Does anyone know the max limit on this card?)
Alliant: 50k (This is the highest limit they offer)
Amex Blue Cash: 52k (Every time I request a CLI now they request my tax returns, unless if I reduce my request to a couple thousand which is what I do)
Farmers Comenity 25k (I believe this is the highest limit they offer)
Banana Card Synchrony Card 10k (Does anyone know if they go higher?)
Amazon Prime Card 10k (Does anyone know if they go higher?)
In my mind it would be completely pointless to waste a hard pull on a CLI for a card with a high limit you don't use.
Better to stay off their radar, as a review might even net you a CLD, since you have demonstrated that you don't need the limits you already have.





























When you get to $52k on a single AMEX revolver, I am 99% certain they will ask for 4506-T to go higher.
I am at $57k total limits with no IV yet, but that is across several high-AF revolvers, each through new apps or upgrades to high-AF, 6+ years of payment history, limited CLI requests, and no one revolver is over $25k yet.
@zerofire wrote:
PenFed Gas Card: You must mean PenFed Platinum Rewards. Decent card but it really does not have 5% back on gas. You might want to look at better cards.
Or OP could mean the no-longer offered card (Cash Rewards or something) that does indeed give 5% off gas automatically.
@NRB525 wrote:When you get to $52k on a single AMEX revolver, I am 99% certain they will ask for 4506-T to go higher.
I'll be attempting a move from $50k --> $55k this coming Tuesday and will report back. So far I've had no issue at all with $5k/6mo increases without having to provide IV. Perhaps that ends for me in 2 days.
Much appreciated feedback everyone.
I work in RE as a landlord and live and die by my credit score and big picture how I look on paper. Having a very large revolving and unused credit limit helps me when out a good bit.
I also try to put as much as I can through my credit cards so having higher limits allows me have usage but not get dinged.
I am a pretty heavy user of Plastiq unfortunately the no-go on the Visa for mortgage payments was a pretty big hit. Before I was putting 25k+ a month on my Alliant Visa.
If anyone has a workaround that would be tremendously appreciated.
For the Alliant card 50k is the max limit they allow for and I think that is very rare that even go that high after speaking to their UW team.
My Penfed gas card is the old green one that does actually give 5% back.
So it seems like the consensus is to not try for a CLI on the Chase card.
For Banana/Amazon I will keep on trying every 6 months.
For the Farmers comenity, I do think that I hit the CAP at 25k.
I also will need to start trying to just do discover every month.