Best spend pattern for Chase cli?

[revvystoke]

I have a card with chase, 3rd statement just cut. I would like to ask for a CLI around the 6th statement. I understand it would likely be a hp, I am not worried about inq, have about 3 on each CR showing, my aaoa is too low to open new cards so I figured I would pick a card every 6 months to cli.

What does chase like to see for cli's, usage, util etc. I have always had a credit balance on my statements and have run close to 15k through the card since opening. I was planning on a vacation in the spring and want to put my expenses on it. I would likely carry a balance of a few $k for a couple months so a little bigger CL would help me keep the util from dragging in the dirt.

[enharu]

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@revvystoke wrote:

I have a card with chase, 3rd statement just cut. I would like to ask for a CLI around the 6th statement. I understand it would likely be a hp, I am not worried about inq, have about 3 on each CR showing, my aaoa is too low to open new cards so I figured I would pick a card every 6 months to cli.

What does chase like to see for cli's, usage, util etc. I have always had a credit balance on my statements and have run close to 15k through the card since opening. I was planning on a vacation in the spring and want to put my expenses on it. I would likely carry a balance of a few $k for a couple months so a little bigger CL would help me keep the util from dragging in the dirt.

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Just keep using as much as you can and pay it off entirely if possible. Heavy usage is a big plus.

Worry about your util only right before you're about to ask for a CLI. Other than that, letting high balances report is a good thing.

[Anonymous]

Using a card right up to the limit, then paying it down mid-cycle and using it again before the statement even hits seems to be the best way to get an auto-CLI. It makes intuitive sense as well.

[CreditScholar]

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@enharu wrote:

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@revvystoke wrote:

I have a card with chase, 3rd statement just cut. I would like to ask for a CLI around the 6th statement. I understand it would likely be a hp, I am not worried about inq, have about 3 on each CR showing, my aaoa is too low to open new cards so I figured I would pick a card every 6 months to cli.

What does chase like to see for cli's, usage, util etc. I have always had a credit balance on my statements and have run close to 15k through the card since opening. I was planning on a vacation in the spring and want to put my expenses on it. I would likely carry a balance of a few $k for a couple months so a little bigger CL would help me keep the util from dragging in the dirt.

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Just keep using as much as you can and pay it off entirely if possible. Heavy usage is a big plus.

Worry about your util only right before you're about to ask for a CLI. Other than that, letting high balances report is a good thing.

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+1 for Heavy usage and PIF.

[Anonymous]

From my experience Chase likes people who charge large amounts revolve them for a month or two... pay if off and do it again....

they like to see that you are using your cards heavily, have the ability to pay them off often but still revolve a balance from time to time.

[kilj0y]

I wouldn't revolve a balance if your only goal is to get a CLI. Another back door way of getting an increase if your taking the HP anyway is to app for a new card and move some of that limit over to your desired card.

[Anonymous]

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@kilj0y wrote:
I wouldn't revolve a balance if your only goal is to get a CLI. Another back door way of getting an increase if your taking the HP anyway is to app for a new card and move some of that limit over to your desired card.

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I'm not sure where you're getting that info on CLI, let me give you an example of where I pulled my info from.  My father and I both app'd for the CSP on the same day, He was approved for 8k and myself 5k.  This was 7 months ago, during that time I have spend over 25K through my CSP and PIF every single month.  My father has spend less then half of that and has revolved a balance from time to time.  During that 7 month period my dads credit limit has been raised twice, first to 16k then to 24k all while mine hasn't moved. Note his income is quite a bit higher then mine but my credit score is higher then his (for reference both our CS are over 740 and incomes over 100k).   Now I understand every situation is different and this is just one example to pull from

[navigatethis12]

I've never revolved a balance with Chase and have gotten increases. I suggest to never revolve a balance unless it is absouletely unavoidable. Paying interest in the hopes of getting an increase is silly.

[kilj0y]

But don't forget your credit profiles are different that is the main factor in determining CLIs, they soft your reports to decide if they want to market other cards to you, in doing so they may also use that info to auto CLI. So while you may have PIF every month they decided they were happy with the limit they gave you, while your dad which I would assume have a longer AAoA and higher income, they would increase his limit to entic him to charge more to their cards over his other ones.

Couldn't quote on ipad.

[Anonymous]

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@kilj0y wrote:
But don't forget your credit profiles are different that is the main factor in determining CLIs, they soft your reports to decide if they want to market other cards to you, in doing so they may also use that info to auto CLI. So while you may have PIF every month they decided they were happy with the limit they gave you, while your dad which I would assume have a longer AAoA and higher income, they would increase his limit to entic him to charge more to their cards over his other ones.

Couldn't quote on ipad.

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I get it completley, I was just pointing out that charging 4-5k every month and PIF doesn't necessairly mean you will be getting a CLI and also revolving a balance from time to time won't keep you from getting one either.