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

[Anonymous]

I started out with 2k. After a year got bumped to 3k. About 8 months later up to 4K. I do usually have a balance between 800-1200 because I let daycare autodraft that card

[Anonymous]

From reading this thread, it sounds like anyone that has received an auto-CLI from Chsae on their card where they aren't spending much on it has a card with a relatively low limit.  Are there any exceptions out there to this?

Is there anyone out there that has a higher limit card (5 figures) that puts a spend of 1%-10% (tops) through the card that's seen an auto-CLI? 

[Anonymous]

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@Anonymous wrote:

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.

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Just to be clear,  the 1.25 (CSP) and 1.5 (CSR) multipliers apply only when redeeming URs for travel through the Chase portal.   For everything else, such as transfer to travel partners or cashing out, URs from Freedom, FU, CSP and CSR are all worth the same.

[Anonymous]

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@Anonymous wrote:

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Just to be clear,  the 1.25 (CSP) and 1.5 (CSR) multipliers apply only when redeeming URs for travel through the Chase portal.   For everything else, such as transfer to travel partners or cashing out, URs from Freedom, FU, CSP and CSR are all worth the same.

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Yup, got that -- but since one can redeem on the travel portal at 1c per point for non-miles redemptions, it's same as cash for me but may not be for others who don't travel a lot.  This year I wouldn't be surprised if I spend ~$25,000 on non-airfare, non-hotel, non-rental car "travel" so I'd love to be able to apply URs to that at 2.25% (or better) plus also get something better than 2% back on bookings because it adds up quickly.

For me, the Amex Platinum makes the most sense for airfare redemption even at 1c per MR because I do spend probably anywhere from $5000 to $7500 a year on flights for me and whoever my guest is -- $375 a year in travel redemption through Amex Travel is a winner.

For other forms of travel (such as cruises, or booking boat rentals through a travel agent), the CSR seems top notch for redemptions, albeit the earn is pretty weak (2.25% with FU, 7.5% with F categories which rarely apply to my spend patterns, but the 3% on travel spend for Reserve is decent).  The big issue for me right now is that the 2.25% expected money I'm banking today will be wiped out by Discover IT Miles whenever I get it in 2018 -- 3% cash back now is superior to 2.25% I may get, some day, possibly.  So I only really am using the Freedom Unlimited until I get a 3% card for general spend.  Looking at Discover IT Miles for a year and then who knows what to replace it (Alliant 3% first year possibly).

So CSR can take its time, really.  If it takes 2-3 years to get, oh well, the URs are sitting in there waiting for it, and it's not like $7.50-$10 a month is going to break the bank or make any difference.  I'm thrifty enough to play the long game risk, whereas I'm sure a lot of folks redeem FU URs for cash every month just because it's there to spend.

I spend close to $0 annually on hotels, I spend $0 annually on rental cars, and I spend $0 annually on warehouse clubs, so my spend is "odd" for a guy who takes up to 100 flights annually.  My spend patterns probably don't match many others.

[K-in-Boston]

DW's card is 23 years old.  She had a $20-something-k balance transfer around 2007 and then they periodically balance chased her over the next couple of years to $9700 and the limit stayed there for around 6 or 7 years.  After it was all paid off, we used it for probably 8 months putting maybe $500-$1500 on it a month.  No auto-CLI.  She did call and ask for a CLI, and they doubled it to $19,400.  Still lower than where it was a decade ago (and lower than the "high balance" column on credit reports) but oh well.

My Freedom card is 10 years old and has seen all patterns of usage (BTs, carrying balances for years, low usage, high usage, maxing out mid-cycle and PIF before statement cut, etc...) and nada.  Started at $3,000 and never budged.  Merged my $1200 Slate into it in early 2016.  Tried to get a CLI on New Years Eve, no go.  Had green checkmark in Offers for CSP, so minutes later I tried for that in hopes of combining the HP (no combination, and they double-pulled to boot) and was immediately approved for a $12k starting line immediately after being denied a CLI on a $4200 card.  A few months later, the offers came back and I decided to try my luck for Slate for the BT offer.  $3500 toy limit, but I reallocated credit lines to $5k each on Freedom and CSP and moved the rest over to make the $9700 Slate.  Chase seems to like me but not love me.  If I were to apply for a Freedom Unlimited, I'd probably get a training wheels limit under $5k but I bet if I were to app for the Ritz-Carlton, my SL would be somewhere in the $12-25k range.  Interestingly, they like me enough that all of my APRs with them are either the lowest published or even lower.

Hope the data points help.  Auto-CLIs from Chase are a rare breed indeed and there are many of us that have taken HPs with no luck on CLIs only to be granted a new trade line with bigger limits.

[Anonymous]

I'm about a year in to my Chase FU and I'm still at the $9800 I started with. Same with my Amazon Prime, I'm at the $4k and I've had it for 10 months. I think Chase is giving me a big FU! :-) Super jealous of those who get the auto increases though!

[Anonymous]

It definitely seems like Chase, perhaps similar to Capital One, likes to see people apply for new products if they want more credit rather than bumping on their existing lines.

It seems like a best practice if you are looking for a higher limit on an existing card to simply apply for whatever Chase card you feel you'd get the strongest SL on, then move whatever portion of that limit you'd like over to the card you use and want the higher limit on.

I sort of did that with the CSP earlier this year.  I wanted the Freedom, but figured a Freedom approval may land me around $5000 based on the data points I had looked up.  I knew the CSP would yield me a 5-figure SL, probably closer to $20k (which it did) so I can then downgrade the card to the Freedom when I want and I'll have a nice limit on it.  The $500 bonus was also a nice perk compared to the Freedom bonus, of course.

[K-in-Boston]

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@Anonymous wrote:

It seems like a best practice if you are looking for a higher limit on an existing card to simply apply for whatever Chase card you feel you'd get the strongest SL on, then move whatever portion of that limit you'd like over to the card you use and want the higher limit on.

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Well, yeah, but if one of us had replied to you with that we wouldn't have had 2 pages of fun-filled stories and it would have seemed dismissive.  

[DeeBee78]

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@Anonymous wrote:

From reading this thread, it sounds like anyone that has received an auto-CLI from Chsae on their card where they aren't spending much on it has a card with a relatively low limit.  Are there any exceptions out there to this?

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Yeah, I tried this by apping the IHG a couple of months ago, thinking I was a shoe-in for a $10K+ limit on it. After a very long manual review (three weeks) I was denied for too many inquiries on my EX. The eventual goal was to move it and my AARP into my Freedom Unlimited and Amazon cards, making a couple of $10K+ cards. I think they just don't want to extend anymore credit to me at this time, and that's OK with me. BoA has treated me really well, and shows no signs of slowing down.  

[Anonymous]

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@K-in-Boston wrote:

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@Anonymous wrote:

It seems like a best practice if you are looking for a higher limit on an existing card to simply apply for whatever Chase card you feel you'd get the strongest SL on, then move whatever portion of that limit you'd like over to the card you use and want the higher limit on.

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Well, yeah, but if one of us had replied to you with that we wouldn't have had 2 pages of fun-filled stories and it would have seemed dismissive.  

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I hear you loud and clear on that.  I was definitely aware of that prior to starting the thread, but was just interested to see if anyone had obtained auto-CLIs with low spends.