I'm a bit confused.
Historically, calling Chase and requesting a CLI would always result in a hard pull.
More recently, they added a "request CLI" link in the website/app, and if you have a pre-approved "CLI offer" waiting, you can receive one without an HP. But many here have reported no success with this, myself included... it always says none are available.
Now in this topic, I'm reading that you can call in and request a CLI and have it be SP? But... is it just that they're looking to see if you have a pre-approved offer waiting, they'll give it to you without the HP, the same as if you used the website, or are actual requests for CLIs soft pull now?
I wonder if what happens is, you call, they look for pre-approved offers, if you have one, they give it to you without a HP, but if you don't have one, they would then do a HP and go through the approval process for a CLI?
I also wonder if the reason I never can get a CLI through the website is because my reports are frozen? I wonder if I unfreeze would I then get an offer? I'd hate to do this and then get a hard pull.
No luck for me. Update my income. My spending on the card rarely hits 10% UTL let alone 5% and I'm at 22K. That's enough for me but if it were available I'd take another 3K.
@Yasselife wrote:
This is what I always see too. I've updated my income over the years, no dice. Probably because my income increases less than 3% a year. 
Really no point in "updating" it.
@Yasselife wrote:
Same message on DWs accounts; all 4 of them lol. Called CSR and was advised that it would be a HP for CLI, but she did end up PC her Slate to Freedom Unlimited.
All I can speak to is confirming the OP, based on my experience today. Per the CSR, calling in for a CLI is now a soft pull. I too have received the same message about not being eligible when trying online, but the rep was able to try the request for me, asking the usual questions about income, housing etc.
Again, confirmed by the rep that no hard pull would occur for a CLI.
Best of luck.
@jojo79 wrote:All I can speak to is confirming the OP, based on my experience today. Per the CSR, calling in for a CLI is now a soft pull. I too have received the same message about not being eligible when trying online, but the rep was able to try the request for me, asking the usual questions about income, housing etc.
Again, confirmed by the rep that no hard pull would occur for a CLI.
Best of luck.
So did you get CLI or not?
@CYBERSAM wrote:
@jojo79 wrote:All I can speak to is confirming the OP, based on my experience today. Per the CSR, calling in for a CLI is now a soft pull. I too have received the same message about not being eligible when trying online, but the rep was able to try the request for me, asking the usual questions about income, housing etc.
Again, confirmed by the rep that no hard pull would occur for a CLI.
Best of luck.
So did you get CLI or not?
I didn't, it was a denial for me. I'm waiting for the letter in the mail to see what the reason was. The rep couldn't tell me over the phone.
In any event, it's good news that no HP needed now.
So the conclusion is as @Remedios said:
@Remedios wrote:
@Blender wrote:
@Remedios wrote:Why call when the option is already in the app/website?
Calling won't produce a different outcome when compared to doing it online - one is either eligible or not 🤷♀️
Just mentioning that calling is not a HP either, since I recently saw someone who posted about the CSR said it would be a HP.
It is a HP if SP is not available.
So, if app says no soup for you, CSR will get same automated response when one calls, the only way to proceed would be via HP .
But, if peeps wanna sit on hold ...