Any Chase auto-CLIs w/small use of current limit?

[Anonymous]

Most say that Chase auto-CLIs are pretty rare relative to those that don't get them.  Those that do get an auto-CLI from Chase usually reference using a good portion of their current limit.  My question is whether or not anyone has received an auto-CLI on their Chase card when they only use it a small amount, say, 1%-10% of your credit limit per cycle.  I would think that these would be outlier examples, but if anyone meets this criteria it would be cool to hear from you.  If you could include the Chase card, your monthly spend, how long you had the card, etc. I think that would be useful information as well.  Thank you.

[DeeBee78]

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@Anonymous wrote:

Most say that Chase auto-CLIs are pretty rare relative to those that don't get them.  Those that do get an auto-CLI from Chase usually reference using a good portion of their current limit.  My question is whether or not anyone has received an auto-CLI on their Chase card when they only use it a small amount, say, 1%-10% of your credit limit per cycle.  I would think that these would be outlier examples, but if anyone meets this criteria it would be cool to hear from you.  If you could include the Chase card, your monthly spend, how long you had the card, etc. I think that would be useful information as well.  Thank you.

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I've tried pretty much every tactic to get a CLI out of Chase. I've used my card up to the limit and PIF'd. I've carried a balance during my promo period (got my mom a $9K increase), I've used 10% or less of the limit, I've done it all. 

Right now I'm massaging my Amazon card. I've racked up $1500 in purchases over the last 6 months, but paid it all balances down to less than $50 before the statements cut. In fact, the highest balance I've ever had reported on the card is $43. No CLI love here.

Never once have I received an Auto CLI, and have even been declined for a manual CLI in the past. They keep my Freedom Unlimited at $3,500, but in the same day hand me $14,000 across my AARP and Amazon cards. Eventually I'll move the AARP card limits over to the other two cards, but it would be nice to see some auto-luv.

[AverageJoesCredit]

9 months going with my only Chase card, Amazon, low sl $1500, low usage, and no auto. Id have a better shot at getting Disco luv than an auto from Chase.

Oh, wrong forum for this question

[Anonymous]

What has you spend been AJC?

[Anonymous]

Received $500 toy limit card back on May 31, 2017 with pretty putrid FICO8 (EX @ 636, TU @ 654, Chase pulled both with a prequalified offer on my Chase login).

Ran it up to $490, statement cut, PIF to $0, updated report to $0 -- repeated this for June, July, August, September, October.  No auto CLI.  Since the card only offers 1.5% versus my Discover first year of 2% with bonus, I'm just waiting for the November statement to cut and PIF it -- I just paid $330 or so, left 25% to report, then PIF.  Going forward the card will get around 28% usage ($140) minimum per month and PIF before statement cuts -- I actually don't mind using all $500 monthly because I bank my URs for hopes that some day I'll snag CSR and that 1.5% becomes 2.25% automatically, which makes it a great general spend card from now until whenever I can get Discover IT Miles (3% with the first year bonus cashback).  So for November through February I'll give the card somewhere between $140 and $490 of activity on my non-category spend and see.

My guess, though, is that these toy limit cards that Chase and Amex are giving to people with somewhat subprime scores are going to be fixed CLIs for probably a year -- and who knows if for longer.

I do hear that manual CLI requests may pull EX which is good because I project my EX to go to 760 or so by summer 2018 so by then maybe I'll do a TU inquiry since most of mine will be over 12 months old.

I also wonder if the folks who got automatic CLIs may have been below 5/24 -- not that we have any data points, but I'm curious if Chase is jealous.

[Anonymous]

ABCD, what Chase card did you get with a $500 limit?  Can you explain the 2.25% back that you mentioned above? I know nothing about Chase UR, so it's all new to me.  Thanks.

[Anonymous]

I’m not necessarily the data point you’re looking for but I started with a $2,000 limit on a SW RR Plus card in April. I ran $3,000 through it in the first billing cycle. I paid in full weekly. The next billing cycle was about 50% utilization, also PIF weekly. I didn’t let a balance report at all. On the 3rd billing cycle, Chase auto-CLI me $1,500 for a total CL of $3,500. At the time, I was below 5/24.

However, no auto-CLI love at the 6-mo mark however. But I’ve been a busy guy since then with 6 new cards (4 reporting).

My mother has CSP that is approaching the 6-mo mark and she utilizes in the 15% range with no auto-CLI love.

[Anonymous]

My offers on CCJ and CardMatch showed up the same day so I logged into Chase and they showed up there as well: Freedom and Freedom Unlimited. I snagged FU and the next day the other offer was gone.

FU earns 1.5% on all purchases in URs that you can cash out at 1c per UR. But if you have a Chase Sapphire you can get more for each UR: 1.25c per UR for CSP or 1.5c per UR for CSR.

That makes me URs worth 1.875% if I get CSP or 2.25% with CSR. I only am earning about $7/month now with ~$490 monthly spend but if I ever get CSR that'll be increased to $10.50 per month which is better than my other general spend cards.

I'm not sure if the 5% on Freedom would be worth 7.5% with CSR but I assume so. If so, this is a slam dunk category card except for Discover 5% with first year match making it 10% on categories for year one.

If I ever get prequal for CSP before March 2018 I'll move my general spend to FU and hope I can snag a CSR in the near future. If not, in March or April I should prequal for Discover IT Miles which is an amazing 3% cash back card the first year -- on any category purchased.

But right now the $500 toy limit is impossible to work with. I booked around $6000 in sea travel just in October and couldn't put more than 5% on FU because each booking was over $500. Ridiculous limit.

Chase even knows my income for 20 years in a row, I'm hoping that helps. I started putting $500 every two weeks into the useless Chase savings account in hopes of triggering some internal score increase. APR is like 0.01% lol.

[Anonymous]

ABCD2199, I have a BCE at a $500 limit that doesn’t seem to grow. No auto-CLI love, though admittedly I think Amex wanted me to maintain a balance for the first 5 statement cuts. I got the card in April 2017 and PIF every month.

Anyway, I understand your frustration. During the first three months, I used the card so frequently that I HAD to make payments every week or so just to be able to use it.

Ultimately, I got frustrated and switched over to my preexisting BOA Cash Rewards. The wild thing is they (Amex) gave me another card with 6 times the limit immediately after they declined me for a 3X CLI on the BCE.

Here’s to hoping they grow your limit soon. 🍻

[Anonymous]

My projected usage on the $2000 BCP is $500/month for groceries and I date a gal who drives a gas-powered car and she said she'd throw her spend on it and Zelle me so that's $120/month. $2000 is fine since I don't see me using it for any other spend. But I want $6000 just so I can hopefully convince Chase I'm worthy of a $10k CSR.

When Chase approved my FU I had 3 secured cards ($1000, $2500, $3000) and my other cards were brand new and bonus toy limit store cards. So Chase made the right decision for them, obviously.

Plus my unpaid 2010 tax lien still shows on TU which Chase loves to pull but Amex didn't see. Sent my last CMRRR dispute to TU last week over it, CFPB dispute due in December. Maybe nuking that bugger will help, too.