cancel
Showing results for 
Search instead for 
Did you mean: 

Best spend pattern for Chase cli?

tag
gen-specific
Frequent Contributor

Re: Best spend pattern for Chase cli?

conventional wisdom was to wait 6 statements for chase

 

everyone on this forum told me to wait 6 months, but I really wanted a CLI after my 3rd statement, because it as a low credit limit and I wanted chase to be my main card.

 

so I called and the pencil pusher denied me for my ridiculous 600% credit limit increase, gave me some boilerplate reasons

then I called the backdoor number to a credit analyst and she revealed there was no reason for the denial based on their risk models

 

I got a 420% credit limit increase

 

 

Message 21 of 25
kevinjjc
Valued Contributor

Re: Best spend pattern for Chase cli?


@gen-specific wrote:

conventional wisdom was to wait 6 statements for chase

 

everyone on this forum told me to wait 6 months, but I really wanted a CLI after my 3rd statement, because it as a low credit limit and I wanted chase to be my main card.

 

so I called and the pencil pusher denied me for my ridiculous 600% credit limit increase, gave me some boilerplate reasons

then I called the backdoor number to a credit analyst and she revealed there was no reason for the denial based on their risk models

 

I got a 420% credit limit increase

 

 


Which # did you call the first time?

Message 22 of 25
kobe2012
Established Contributor

Re: Best spend pattern for Chase cli?

Different analysts may have different results ..my freedom was 7 months old when i asked for a cli ..had an auto from $500 to $1000 after the 3rd statement ...before my 7th statement, i asked for $5k ... Finally got it after 7 calls! they wanted to pull my ex which was frozen...got away with no hp on my 7th call... my freedom was my go to card then, i was using it and paying in full..it will hit one yr this october ..hope ill get some love again ...

Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 23 of 25
gen-specific
Frequent Contributor

Re: Best spend pattern for Chase cli?

the number on the back of the card


@kevinjjc wrote:

@gen-specific wrote:

conventional wisdom was to wait 6 statements for chase

 

everyone on this forum told me to wait 6 months, but I really wanted a CLI after my 3rd statement, because it as a low credit limit and I wanted chase to be my main card.

 

so I called and the pencil pusher denied me for my ridiculous 600% credit limit increase, gave me some boilerplate reasons

then I called the backdoor number to a credit analyst and she revealed there was no reason for the denial based on their risk models

 

I got a 420% credit limit increase

 

 


Which # did you call the first time?


 

Message 24 of 25
takeshi74
Senior Contributor

Re: Best spend pattern for Chase cli?


@lg8302ch wrote:

Interesting...so Chase likes to see balances carried over Smiley Happy


Not necessarily.  That's really oversimplifying what could be due to a number of variables at play.

Message 25 of 25
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.