Chase Auto CLI pattern?

[Anonymous]

Were the hard inquiries combined since you applied for both cards on the same day?

[Anonymous]

I had 2 HPs.

[Anonymous]

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@pizza1 wrote:

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@Anonymous wrote:

Weird thing is that, I only use Chase cards around sub-$50 each month, pay the minimum, pif once in a while lol. $1,000 is pretty hard to use on anything and I am tired of having to micro-manage all the cards. It's amazon period for Discover right now as well...

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ok, well then the only other options here are to A).call and take a HP for a CLI and risk only getting $500 min or none at all, or B)  combine the limits.

I would personally go with "A" if it came down to it. Its just a HP, and some folks here make out to be like it a life and death situation to take a HP for something. If you want more of a CL, then call and take the HP. If you can wait it out, and you have other cards you can use, then do that. 

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I'll probably do that once my 2016 summer of stupidity HP's fall off.

[Anonymous]

I have no conclusive information on how or why, but here’s my experience with auto CLIs with my Chase Freedom Unlimited. To start, I opened it in April 2016 when it was first introduced and it’s my go-to card for every day purchases. I also have the AMEX BCP that I use for groceries and gas.

In April 2016 (upon opening), my credit limit was $3,000. My first increase was in August 2016 to $5,000. My second increase was in March 2017 to $7,500. My most recent increase was last month (closed on 10/27) to $15,000.

None of these were hard pulls as I did not initiate the increase. All of them were auto CLIs by Chase. Again, I use this card every day. I pay in full at the end of every month and frequently pay down my card before statement closing.

Of all the forums that I read, the general consensus is that Chase is tough when it comes to auto CLIs. But, my story shows that it’s possible. I imagine that you’ll find it harder to get these increases if you don’t use the card frequently.

[RadioRob]

Chase CLI Strategy:

1) Obtain Magic 8-ball

2) Shake said Magic 8-ball vigorously

3) Ask "Magic 8-ball, will I get an automatic CLI from Chase?"

4) Pray

[Anonymous]

Some data points:

Got my only chase card Slate,  in April 16' with sl of 2,000. I was wanting a higher line for a balance transfer but still used it for around a 1,000 transfer. I hardly ever used it besides that and I have pced twice now. Slate -> FU -> Freedom. So in about a year and a half I have never gotten a cli, I even asked by private message if a non hp cli attempt was doable and they said no. Probably has a lot to do with the fact I never use it.

[Anonymous]

I have the Amazo rewards visa and out of the blue it automatically went from $2000 to $4000 after having the card for eight months. Funny thing is I only put $250 a month on it in the bonus categories. Just a data point for everyone. I am a prime member. Maybe that has something to do with it.

[Anonymous]

A little over a week ago I received an Auto-CLI of $1k from Chase on my Amazon Prime Rewards VS. I've had the card for about 10mths and used it infrequently when I received it at first. The past 2-3mths I've been putting about 20-30% of utilization onto the card and paying in full.

[Anonymous]

UPDATE: Chase did do a HP for my Chase Sapphire Preferred. They pulled Experian and Equifax. Normally, I get notifications immediately after I have an inquiry, but these popped up the next day.

[Anonymous]

I have both the Chase Freedom and Chase Freedom Unlimted cards.  Applied for both back in May 2017 with SL of $4000 each.  I have probably put about $1k on each card and pay on them monthly (one I paid off completely and used for Christmas shopping since I have about 10 months left of 0% APR.)  

Anyways, I have not received an auto increase on either account.  Not really wanting a HP to get a minimal CLI on these accounts.  Just glad I have the available credit to use in case I need them.  Congrats if you get an increase, but I wouldn't hold my breath waiting for one...