Chase CLI SP

[vygotsky]

Does chase ever let you initiate a CLI like Amex without a hp. If not how good are they with auto cli, quarterly, biannual, annual?

[Kenny]

Very very rarely and for those cases normally these people get an e-mail.

Customer initiated CLIs are 99.99999% HP with Chase.

[yudeology101]

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@KennyRS wrote:
Very very rarely and for those cases normally these people get an e-mail.

Customer initiated CLIs are 99.99999% HP with Chase.

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+1.  

Unless Chase sends you an email for the CLI offer and you accept,  if you initiate the CLI, it'll be 99.99% HP.

[Shock]

Agreed. And the emails are not even guaranteed CLI's right?

[Kenny]

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@Shock wrote:

Agreed. And the emails are not even guaranteed CLI's right?

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I would assume they're not, but I've not really read of anyone who didn't get the CLI after clicking through the e-mail, though. 

[yudeology101]

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@Shock wrote:

Agreed. And the emails are not even guaranteed CLI's right?

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Majority of the Chase Email CLI offer threads on the forum i've seen have accepted the offer and it was based on SP initiated by Chase I assume.  But why some are auto CLIs and some are email based CLI offer is beyond me. 

[mongstradamus]

Hmm i don't remember if my chase was an auto or email sp cli when i got it back in january. I think it was after i got the signup bonus for the freedom. I was pleasantly surprised because i didn't expect it, knowing chases policy on sp cli usually.

[chrisw1968uk]

I have just had my 1st Birthday with Chase Freedom - they gave me $1000 CLI without me even asking

[flan]

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@yudeology101 wrote:

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@Shock wrote:

Agreed. And the emails are not even guaranteed CLI's right?

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Majority of the Chase Email CLI offer threads on the forum i've seen have accepted the offer and it was based on SP initiated by Chase I assume.  But why some are auto CLIs and some are email based CLI offer is beyond me. 

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Because Chase takes the requirement to consider your ability to repay when granting credit increases.  If you have had the card for more than a year, they can not use information on the application.  So, if they want to give you a CLI, they need to ask for income. 

[vygotsky]

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@chrisw1968uk wrote:

I have just had my 1st Birthday with Chase Freedom - they gave me $1000 CLI without me even asking

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How did you manage your Chase card over the year for the auto cli? PIF/Carry? 0-10% util monthly vs 30%+?