I don't frequent the Credit Cards forum much, so perhaps the question is unkowable, but I will give it a whirl:
I have a Chase Prime card, and it is my lowest Tradeline limit. It is about 30% of my average tradeline limit on my revolving cards.
Opened Feb 2024, so approaching two years. It is my only Chase product.
IF 5/24 pertains only to revolvers, I am 4/24.
If it pertains to all new accounts, I am 5/24 with a vehicle installment loan.
I have clicked on the "credit limit increase" drop down menu button maybe a dozen times over the last 6 months. Every time the response is very specific, and identical:
A credit limit increase isn't available for this card right now. Updating your income may increase the availability of offers.
My income is almost surely not the actual issue, but I have "updated" it a few times with a minor change.
My suspicion was always that, until I move beyond 5/24 (next month-ish), I will get this message. But I have also read anecdotes that installment loans do not count in 5/24, and that the Prime card is not subject to the rule regardless.
Frankly, I think my profile attached to this card is wonky and preventing the allowance of a CLI. There is no address listed in my profile, and I can not add one. Clearly they have my address, as they sent me the card and other communications, despite one not being listed in my profile online. I even attempted to call Chase customer service several times about a year ago, but they apparently could not achieve the simple act of correcting/updating/entering an address on my profile.
Note, I am not asking why I am DENIED for a CLI, I am asking why it is not allowed to be REQUESTED.
So my question is ... is there evidence the message about the adress IS in fact a red herring for 5/24, or have others has a problem with a messed up 'profile' not allowing a CLI.
And before you suggest I call Chase, have you ever done that? 
The only time I been able to request a CLI through the app was when I was under 5/24. Even though the approved my Prime card at 12/24.
Swimguy
@BallBounces wrote:I don't frequent the Credit Cards forum much, so perhaps the question is unkowable, but I will give it a whirl:
I have a Chase Prime card, and it is my lowest Tradeline limit. It is about 30% of my average tradeline limit on my revolving cards.Opened Feb 2024, so approaching two years. It is my only Chase product.
IF 5/24 pertains only to revolvers, I am 4/24.
If it pertains to all new accounts, I am 5/24 with a vehicle installment loan.
I have clicked on the "credit limit increase" drop down menu button maybe a dozen times over the last 6 months. Every time the response is very specific, and identical:
A credit limit increase isn't available for this card right now. Updating your income may increase the availability of offers.
My income is almost surely not the actual issue, but I have "updated" it a few times with a minor change.
My suspicion was always that, until I move beyond 5/24 (next month-ish), I will get this message. But I have also read anecdotes that installment loans do not count in 5/24, and that the Prime card is not subject to the rule regardless.
Frankly, I think my profile attached to this card is wonky and preventing the allowance of a CLI. There is no address listed in my profile, and I can not add one. Clearly they have my address, as they sent me the card and other communications, despite one not being listed in my profile online. I even attempted to call Chase customer service several times about a year ago, but they apparently could not achieve the simple act of correcting/updating/entering an address on my profile.
Note, I am not asking why I am DENIED for a CLI, I am asking why it is not allowed to be REQUESTED.
So my question is ... is there evidence the message about the adress IS in fact a red herring for 5/24, or have others has a problem with a messed up 'profile' not allowing a CLI.
And before you suggest I call Chase, have you ever done that?
I can't speak definitively, but it's very likely your issue is the number of new accounts.
There's quite a few data points around the interwebs about how 5/24 (new accounts) impact CLI eligibility with Chase. While installment loans generally don't count towards 5/24 for new card approvals the logic could (?) be different for CLI requests. It's also possible that for your profile (for whatever reason) they have have an issue with 4/24. Either way, if it were me I would give it another try in a month or so once your x/24 count drops.
For my first Chase approval my online profile was pre-filled with old info (10+ years) from an long-gone WaMu account and that didn't seem to matter at all, so I'd be surprised if your wonky online profile was causing the issue you're having.
A "sort of update" to this.
I think, by specific date, I would not go under 5/24 until next week. According to Chase behaviour as I understand it, this means 5/24 would actually be removed at the start of the next month, March 1. At least, that is generally what I gather. (It's more like 5/24+)
The Prime card still will not allow a CLI request. I decided to look at the Chase pre approved interface, and it confirmed CSR showed me as pre approved. I decided to spin the wheel in the interest of science and was immediately confirmed for CSR at a tradeline 6 times the Prime Card.
So now:
I have a new INQ, card, high tradeline, AAoA, and AoYA.
I am as confused as ever on 5/24.