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Chase Auto CLI

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cdtotten
Established Contributor

Chase Auto CLI

Just wanted to let everyone know that Chase gave me an auto-CLI from $12,500 to $15,000. I honestly didn't know until I logged in today and saw it. It should be noted that my highest other CL is $15,000 with Alliant, so chase may be matching theirs. This is the 4th auto-cli in my 6 years of having the card (started at $6,000).

 

Now just gotta decide if I wanna request the increase from Amex. Button has been back for over a month... at $12,500 currently. Any suggestions on what I should request?


Starting Score: 627 EQ, 621 TU - 11/15/08
Current Score: 778 EQ, 781 TU, 778 EXP 07/20/12 Lender Pull
Goal Score: 800 EQ & TU


Take the FICO Fitness Challenge
Message 1 of 10
9 REPLIES 9
JagerBombs89
Established Contributor

Re: Chase Auto CLI

Message 2 of 10
cdtotten
Established Contributor

Re: Chase Auto CLI

Got scared... did $18,000, instantly approved. Yay.


Starting Score: 627 EQ, 621 TU - 11/15/08
Current Score: 778 EQ, 781 TU, 778 EXP 07/20/12 Lender Pull
Goal Score: 800 EQ & TU


Take the FICO Fitness Challenge
Message 3 of 10
castlefox
Regular Contributor

Re: Chase Auto CLI

What chase credit card do you have?

MyFICO score- Equifax - 12.03.11 - 780 Experian 12.03.11 - 763
(FAKO Scores) EXP PLUS Score Dec 2011. 748
Advanced Risk Score 2.0 (NextGen) 793 Dec 2010
Vantage Score (2011) MAR = 771 Jun = 771 Sept= 788 Dec= 773
2012 MAR = 782 JUN=783 Dec = 789
2013 Mar-796 Jun-799 Dec- 797
Message 4 of 10
RockinRay
Valued Contributor

Re: Chase Auto CLI

With Chase, how often will they give you an Auto CLI?

 

Ray

Ray

** Every Card has a Job, and Every Card does its Job **
Message 5 of 10
cdtotten
Established Contributor

Re: Chase Auto CLI

Freedom. Has never been a pattern on the CLI..usually 12-18 months apart. All CLIs requested by the consumer are hard pulls by chase; auto CLIs are not.


Starting Score: 627 EQ, 621 TU - 11/15/08
Current Score: 778 EQ, 781 TU, 778 EXP 07/20/12 Lender Pull
Goal Score: 800 EQ & TU


Take the FICO Fitness Challenge
Message 6 of 10
castlefox
Regular Contributor

Re: Chase Auto CLI

Well that is super awesome then cdtotten.  

 

What is your utilization percentage to you let post on your Freedom card?

MyFICO score- Equifax - 12.03.11 - 780 Experian 12.03.11 - 763
(FAKO Scores) EXP PLUS Score Dec 2011. 748
Advanced Risk Score 2.0 (NextGen) 793 Dec 2010
Vantage Score (2011) MAR = 771 Jun = 771 Sept= 788 Dec= 773
2012 MAR = 782 JUN=783 Dec = 789
2013 Mar-796 Jun-799 Dec- 797
Message 7 of 10
Anonymous
Not applicable

Re: Chase Auto CLI


@cdtotten wrote:

Got scared... did $18,000, instantly approved. Yay.


Did you use some kind of automated system or did you talk to a rep?

Message 8 of 10
cdtotten
Established Contributor

Re: Chase Auto CLI

For AMEX - I always use the online automated system. Prompts me every 6 months when eligible. Never a hard pull - just ask how much you want and your income. My balance when requesting a CLI has always been <10%, usually $0.00.

 

As for CHASE - I actually have carried large balances with them for long periods in the past. At one point, after a consolidation, I had $8,000 out of $9,500. Over time that got paid off. Currently, I have a $2,200 balance. They have always given me my increases while carrying a balance suprisingly.

 

Overall util was 10% (now 9% because of the changes). EQ FICO as of today is 740.


Starting Score: 627 EQ, 621 TU - 11/15/08
Current Score: 778 EQ, 781 TU, 778 EXP 07/20/12 Lender Pull
Goal Score: 800 EQ & TU


Take the FICO Fitness Challenge
Message 9 of 10
Anonymous
Not applicable

Re: Chase Auto CLI

Congrats on both the Chase and Amex! Your cards have grown very well for you, nice job.

Message 10 of 10
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