CSP, highest % limit increase UPDATE

[enharu]

If you have the income to support it and your file isn't thin, chase can be really generous with CLI.

[gen-specific]

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@enharu wrote:
If you have the income to support it and your file isn't thin, chase can be really generous with CLI.

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thanks for all the replies guys, this was very helpful

[gen-specific]

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@b_seeker wrote:

How old is the account? You can ask for 35K but I would be surprised if Chase goes anywhere near that when your highest reporting is 24.9K. If your card is really new, I'd be surprised if you even get to 20K.

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Exactly, I have a plan for that too.

I am going to CLI that 24.9k Citi card, then I am going to CLI another Citi card that currently has a 7k limit, then I am going to transfer the limit of the 7k card to the 24.9k card so I have a card with a much higher reporting limit. thats the whole reason I opened the second citi card lol, so I am letting it age a little bit

Then Chase will be more inclined to give me a higher CLI too! (unless their risk model then flags me for having too much available credit to income)

[indiolatino61]

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@gen-specific wrote:

hey guys, I got CSP and it has one of my lowest limits. I want to make it my main card but its annoying to have a limit this low.

what is the highest % limit increase you've seen on this card.

in contrast, with AMEX cards, the 3x CLI is a 300% increase.

on some VISA cards I've seen people go from 2k to 10k which is a 500% increase

let me stop beating around the bush, I want to go from a 6k limit to like 35k, I expect to be countered, then I expect to get a recon and maybe get a few extra K limit.

is this possible? have stranger things happened?

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$6K to $35K is quite a leap...! That's almost 600%. Good luck to you, but that seems an almost impossible feat.

[enharu]

to OP:
It is going to be very hard to transfer CLs between different cards for Citi. I don't know if it's their internal policies, or their crappy CSRs just make it hard for anyone to do anything.

How long have you had the CSP for?
How long is your banking relationship with Chase?

My uncle had a Wells Fargo card for over 15 years that he used religiously. The CL they gave him was appropriate for his CS, CR and income at that time. During the past 15 years he never asked for a CLI, and had some auto but very infrequent auto CLIs. He got by the low CL by PIF several times a month. Finally asked for a CLI after much persuassion, and had his limit go up by over 4x with just 1 HP. Of course, his income is at least 15 times higher than what it was.

[navigatethis12]

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@gen-specific wrote:

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Exactly, I have a plan for that too.

I am going to CLI that 24.9k Citi card, then I am going to CLI another Citi card that currently has a 7k limit, then I am going to transfer the limit of the 7k card to the 24.9k card so I have a card with a much higher reporting limit.

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I just went through this and it will not work. I got increases on two cards and realised I should have asked for more on the other card. I had a manager process it and was told they cannot move the limits around because I just got an increase. To them, reallocation is a credit limit increase and they only allow that every six months. I also asked retention and she said the same thing, but offered me 10,000 Thank You Points for 3,000 spending in six months.

[gen-specific]

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@navigatethis12 wrote:

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@gen-specific wrote:

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Exactly, I have a plan for that too.

I am going to CLI that 24.9k Citi card, then I am going to CLI another Citi card that currently has a 7k limit, then I am going to transfer the limit of the 7k card to the 24.9k card so I have a card with a much higher reporting limit.

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I just went through this and it will not work. I got increases on two cards and realised I should have asked for more on the other card. I had a manager process it and was told they cannot move the limits around because I just got an increase. To them, reallocation is a credit limit increase and they only allow that every six months. I also asked retention and she said the same thing, but offered me 10,000 Thank You Points for 3,000 spending in six months.

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INTERESTING

you did this with citi?

[gen-specific]

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@enharu wrote:

to OP:
It is going to be very hard to transfer CLs between different cards for Citi. I don't know if it's their internal policies, or their crappy CSRs just make it hard for anyone to do anything.

How long have you had the CSP for?
How long is your banking relationship with Chase?

My uncle had a Wells Fargo card for over 15 years that he used religiously. The CL they gave him was appropriate for his CS, CR and income at that time. During the past 15 years he never asked for a CLI, and had some auto but very infrequent auto CLIs. He got by the low CL by PIF several times a month. Finally asked for a CLI after much persuassion, and had his limit go up by over 4x with just 1 HP. Of course, his income is at least 15 times higher than what it was.

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Thanks, I've only had the CSP for less than 3 months, I am consider on doing a CLI after I get my promotional reward points at the end of 3 months, on the citi card with 24.9k I will be doing CLI in june too

but I am in the garden right now so it depends on what my credit scores come back as, and weighing pros and cons of more hard inquiries sitting on my report for the next 20 months

so I am weighing decisions

[navigatethis12]

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@gen-specific wrote:

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@navigatethis12 wrote:

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@gen-specific wrote:

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Exactly, I have a plan for that too.

I am going to CLI that 24.9k Citi card, then I am going to CLI another Citi card that currently has a 7k limit, then I am going to transfer the limit of the 7k card to the 24.9k card so I have a card with a much higher reporting limit.

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I just went through this and it will not work. I got increases on two cards and realised I should have asked for more on the other card. I had a manager process it and was told they cannot move the limits around because I just got an increase. To them, reallocation is a credit limit increase and they only allow that every six months. I also asked retention and she said the same thing, but offered me 10,000 Thank You Points for 3,000 spending in six months.

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INTERESTING

you did this with citi?

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Yes. You could try asking for supervisors or the executive office probably, but I didn't really feel like going through it all. I'll just wait until November.

[enharu]

I don't think you will get a 3-6x increase in CLI if you only had the card for less than a year, unless something changed dramatically, such as your income increasing by 5-10 times for instance. 

Did you have some kind of baddies on your file when you got approved for 6k? or you just had your Citi, Wells Fargo and BofA cards for a long time?