Chase CLI Request - CSR or Direct to U/W

[Involver]

Would it be more worth my while to just call a credit analyst direct to ask for a CLI or just go through the CSR and recon if necessary?  

Yes I'm aware it will be a HP.  

[Swapmeet]

You should go through the regular csr, ask for a huge cli, then recon when they deny it and they will counter with as much as they are willing to give you.

[Involver]

Perfect, that was what I was planning just wanting some feedback.  Thanks!

[Shock]

Why not just go straight to retention?

[Swapmeet]

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@Shock wrote:

Why not just go straight to retention?

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Because they won't just outright offer you as much as they are willing to give you--potentially leaving some on the table. When you ask for more than they are willing to give, then recon, the CA will take you as close to what you asked for as they are willing to go.

[Involver]

Oh Chase ...

Asked for a CLI from 1500 to 7500 (I've had the card for 3 months, newly clean reports, new TLs of 6k+), gave me $3k, called recon, gave me $5k.  lol. 

Pulled EX (4 INQs).  3% util.

[Swapmeet]

Nice job!

[indiolatino61]

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@Involver wrote:

Oh Chase ...

Asked for a CLI from 1500 to 7500 (I've had the card for 3 months, newly clean reports, new TLs of 6k+), gave me $3k, called recon, gave me $5k.  lol. 

Pulled EX (4 INQs).  3% util.

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That's awesome...congrats.

[B335is]

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@Involver wrote:

Oh Chase ...

Asked for a CLI from 1500 to 7500 (I've had the card for 3 months, newly clean reports, new TLs of 6k+), gave me $3k, called recon, gave me $5k.  lol. 

Pulled EX (4 INQs).  3% util.

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Yikes, 4 EX inquiries?  

[Shock]

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@Swapmeet wrote:

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@Shock wrote:

Why not just go straight to retention?

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Because they won't just outright offer you as much as they are willing to give you--potentially leaving some on the table. When you ask for more than they are willing to give, then recon, the CA will take you as close to what you asked for as they are willing to go.

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Can't you recon anyways if retention doesn't do the job?

I don't know, retention can do more than a regular CSR, so I figure it's better to deal with two people who know what they're doing, rather than a CSR who doesn't know the difference between a hard or soft pull. Not to mention they are outsourced to India.

I also may be going out on a limb here, but isn't retention almost like an underwriter, because they can make decisions a normal CSR can't?