Chase Auto-CLI Questions

[grinlikechelsea]

So I've had my Freedom for almost 4 months now, and I know Chase sometimes gives some auto-CLIs around the 3-6 month range. I would really like an auto-CLI, but I do have some questions about it.

1) How heavily should I be using the card in order to get the CLI? Or does it have any effect whatsoever?

2) Are you guaranteed a CLI (if you pay the statement and such) or is it random?

I'm hoping for the auto because I don't want another HP right now.

[myjourney]

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@grinlikechelsea wrote:

So I've had my Freedom for almost 4 months now, and I know Chase sometimes gives some auto-CLIs around the 3-6 month range. I would really like an auto-CLI, but I do have some questions about it.

1) How heavily should I be using the card in order to get the CLI? Or does it have any effect whatsoever?

2) Are you guaranteed a CLI (if you pay the statement and such) or is it random?

I'm hoping for the auto because I don't want another HP right now.

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Good question from all the posting Chase like heavy usage and sorry but no guaranteed a CLI from any lender 

[EaglesFan2006]

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@grinlikechelsea wrote:

So I've had my Freedom for almost 4 months now, and I know Chase sometimes gives some auto-CLIs around the 3-6 month range. I would really like an auto-CLI, but I do have some questions about it.

1) How heavily should I be using the card in order to get the CLI? Or does it have any effect whatsoever?

2) Are you guaranteed a CLI (if you pay the statement and such) or is it random?

I'm hoping for the auto because I don't want another HP right now.

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Well, I don't think any CLI is guaranteed.  I've had my Freedom for well over a year and haven't received any CLI.  Meanwhile, I've gotten other cards since then, including from Chase.  I know some people do get Auto-CLI from Chase, but I don't think they're anywhere near as likely to do it as other banks are.

[grinlikechelsea]

Aww, I'm a bit bummed about that. Silly me thought as long as I used the card and paid my bills on time, Chase would show me some love.

I'm not in dire need for a CLI, so if I don't get one, it's fine. I'll just wait until I apply for the CSP later down the road and see if they can increase it then.

Thanks for the information!

[myjourney]

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@grinlikechelsea wrote:

Aww, I'm a bit bummed about that. Silly me thought as long as I used the card and paid my bills on time, Chase would show me some love.

I'm not in dire need for a CLI, so if I don't get one, it's fine. I'll just wait until I apply for the CSP later down the road and see if they can increase it then.

Thanks for the information!

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We are glad to help and hopefully you'll get that auto CLI

[blondy250]

Yes have received many Chase auto CLI over the years, but only one this year. Just remember Chase likes to see other cards with a minimum $5k credit limits before they approve a CSP, of course with anything YMMV.

[Duncanrr]

Just to throw in some more info...I got my Chase Amazon and Freedom cards both around the same time last year (Sept 9-15, 2012).  Both cards have had heavy usage and PIF and both have carried balance from time to time.  Freedom - zero Auto-CLI.  Stuck at 1.5k.  Amazon - started at 1.2k (or something like that) and have had multiple auto-cli.  Current CL is 2.5k.

[CribDuchess]

My DH was approved for his Freedom in January of this year with a starting limit of $4,000.  He used the card just once, in February, for a tire purchase around $700.  Since the card had 0% APR on purchases for 15 months, he just made monthly $100 payments.  In June, Chase gave him an auto-CLI of $2,300 for a new limit of $6300.  There appears to be no rhyme or reason to Chase's luv - he only used the card once and revolved a balance instead of PIF, and yet they gave him auto-luv.

[iwazl71]

I think it depends on usage.  I have three Chase cards; CSP, Marriott Premier, and Freedom.  CSP is seven months old and Marriott is 6 months old.  I got a 5k CLI to 10k on the CSP after 5 months.  I charged avg of 1500 per month and PIF every time.  On the Marriott, no CLI yet, but I only spent 2k on it the last 6 months.  So from my experience, it looks like Chase does like heavy usage.  YMMV.

[Anonymous]

I guess it's a good thing that there isn't any rhyme or reason. Wouldn't it be bad if we found out how their formulas work? I guess its good that it's strong...

But anyways, I'm trying to get a CLI with my Freedom too. Have only gotten one on my Amazon a while back after heavy usage. 

Can anybody comment on whether a bank account with Chase will facilitate more auto CLI's? Like are they more likely to give CLI's if you have a checking, CD or some type of savings with them?