Auto CLI recon chase??

pats23 · ‎03-16-2013

My freedom just hit the 6 month mark with 3k limit. I was fully planning on calling in any day now and requesting a CLI to 5k. But then yesterday they gave me a auto CLI to 3.5k. Thankful I am. But I really want to get it to 5k. Am I Being greedy? Can I call and try to make this CLI bigger? Should I now wait longer since it was just raised? Any help appreciated

$4000----------- $5000------------$15000-------------$3500-------------NPSL----------$2500------------$5000----------$10000--------$5000

Revelate · ‎03-16-2013

@pats23 wrote:
My freedom just hit the 6 month mark with 3k limit. I was fully planning on calling in any day now and requesting a CLI to 5k. But then yesterday they gave me a auto CLI to 3.5k. Thankful I am. But I really want to get it to 5k. Am I Being greedy? Can I call and try to make this CLI bigger? Should I now wait longer since it was just raised? Any help appreciated

YMMV; it'd likely be a HP though, personally I'd simply take the auto CLI and call it good; then whenever I had my next round of applications, debate calling for the CLI at that point..

Anonymous · ‎03-16-2013

I received an auto increase of 500 at my six month mark. I called a couple weeks later and took a HP from 1k to 8k. I asked if I would receive a counter offer if they could not approve the full amount, and they said yes. Since this was the case, I shot for the moon! I did have 6k reporting from Discover and Amex, so this may have helped. I ended up calling the backdoor number for an immediate decision, and the analyst told me (voluntarily) that the review was required due to the recent auto CLI.

In your case, it is ultimately up to your goals; you could try to recon the auto CLI, but you can pretty much count on a HP if you initiate a request.