Chase CLI Hard Pull Question

[spudbro]

So I have had my CSP and Freedom for over 6 months with great history using the credit limit on both cards and paying it off etc. I have been trying to get a CLI via a soft inquiry since last month but they obviously refuse to do it via soft pull and I really don't want another inquiry.

My question is today I applied for a mortgage with them so obviously they did a hard pull. Is it possibly I can have my mortgage banker request a CLI using this report or if I call the executive office? Curious if anyone has tried doing a CLI this route before.

Figured I'd try and maximize the 1 inquiry with them if possible.

[09Lexie]

Not sure but if you are trying to get a mtg you should not be attempting to obtain new debt. Cli or new accts should not be tried at any point during the mtg process.

[Revelate]

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@spudbro wrote:

So I have had my CSP and Freedom for over 6 months with great history using the credit limit on both cards and paying it off etc. I have been trying to get a CLI via a soft inquiry since last month but they obviously refuse to do it via soft pull and I really don't want another inquiry.

My question is today I applied for a mortgage with them so obviously they did a hard pull. Is it possibly I can have my mortgage banker request a CLI using this report or if I call the executive office? Curious if anyone has tried doing a CLI this route before.

Figured I'd try and maximize the 1 inquiry with them if possible.

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Almost zero chance, they're completely different business units with different underwriting systems most likely.  May not even share much data between the two.

Honestly if you want a Chase CLI, expect a HP regardless.... but do it post mortgage closing .  I may not ever try to CLI my $1K freedom, it's big enough for the 5% categories for me (restaurant spending is on the order of $700/month as an example) and I'd do better to simply open a different card later after my profile is better... unless I'm tradeline complete and have nothing better to do with my credit report than try to get a CLI on the Freedom.  That's pure fantasy land from where I am today.

[spudbro]

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@09Lexie wrote:
Not sure but if you are trying to get a mtg you should not be attempting to obtain new debt. Cli or new accts should not be tried at any point during the mtg process.

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I'm not trying to get a credit limit increase if it is a hard pull but I am if I can maximine the one pull from my mortgage, but it sounds like I can't. My dti is really in line so I'm not worried about a CLI effecting anything just didn't want to lose the points from an inquiry.

[spudbro]

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@Revelate wrote:

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@spudbro wrote:

So I have had my CSP and Freedom for over 6 months with great history using the credit limit on both cards and paying it off etc. I have been trying to get a CLI via a soft inquiry since last month but they obviously refuse to do it via soft pull and I really don't want another inquiry.

My question is today I applied for a mortgage with them so obviously they did a hard pull. Is it possibly I can have my mortgage banker request a CLI using this report or if I call the executive office? Curious if anyone has tried doing a CLI this route before.

Figured I'd try and maximize the 1 inquiry with them if possible.

---

Almost zero chance, they're completely different business units with different underwriting systems most likely.  May not even share much data between the two.

Honestly if you want a Chase CLI, expect a HP regardless.... but do it post mortgage closing .  I may not ever try to CLI my $1K freedom, it's big enough for the 5% categories for me (restaurant spending is on the order of $700/month as an example) and I'd do better to simply open a different card later after my profile is better... unless I'm tradeline complete and have nothing better to do with my credit report than try to get a CLI on the Freedom.  That's pure fantasy land from where I am today.

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Okay this makes complete sense. Figured I'd ask as I just wanted to maximize the inquiry since I already took the hard pull so to speak.

[bribro]

I've asked about this before, and it can't be done. You are seeking two different types of credit, so you get stuck with two HPs.

[gstq34]

I even asked them to use the same pull from a personal CC for a INK CLI (businesss).  Nope, they wanted a new pull for INK.  They LOVE HP.

[bribro]

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@gstq34 wrote:

I even asked them to use the same pull from a personal CC for a INK CLI (businesss).  Nope, they wanted a new pull for INK.  They LOVE HP.

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Some people have reported only receiving one HP when applying for a Chase personal and business card on the same day. But YMMV.