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Chase CLI question

Valued Member

Chase CLI question

Just got a Chase Freedom...$1500 CL...what is the best strategy to grow it to a signature? How much time will it take? i know its a very broad question...just need some insight



Starting Score: 594 11/2010
Current Score: 5/14/2014 My Fico EX 675 TU 651 EQ 665
Goal Score: 850 (I'm coming)

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Message 1 of 8
7 REPLIES
Regular Contributor

Re: Chase CLI question

You can request a CLI at any time, but it's a HP. Given that, it's probably best to wait 6 months unless there is a notable improvement in your scores.

As far as VS goes, your card has to be open > 12 months before it can be considered for upgrade.


Last TL/HP 7/29/2015 | Gardening till December 2015 at least...
AMEX PRG - NPSL | NASA Cash Rewards - 30k | NFCU Cash Rewards VS - 25k | AMEX Everyday - 18k |
Chase CSP 16.8k | BOA 3-2-1 VS - 12k | Fidelity AMEX - 12k | Citi Dividend - 11.3k | Barclays Sallie Mae WMC - 10k | PayPal Extras MC - 7.5k | WalMart MC- 7.5k | Cap1 QS One - 6k | Barclays Apple Visa - 5.7k | Chase Freedom VS - 5k
Message 2 of 8
Established Member

Re: Chase CLI question

I just requested to upgrade mine to a signature a few weeks ago. At first they said I couldn't because it needed a minumum $5,000 CL and that I would have to request a CLI. I did that and they increased the CL to $5,000. I asked if it was also upgraded to a signature and they told me they couldn't because I haven't had it for a year. I will try again at the end of June when it turns 1 year old.

AMEX BCE $25,000 | CSP $12,000 | Sallie Mae $10,000 | USAA Platinum $7,000 | Discover IT $5,850 | Citi Double Cash $5,000 | Chase Freedom $5,000
Message 3 of 8
Highlighted
Established Contributor

Re: Chase CLI question

I got my Freedom 8/2012 with a 1.5k credit line. I never requested a cli until last week and was instantly approved for another 5k. I immediately sent them a secure message requesting an upgrade to visa signature. Got a call back the following morning, rep verified some info, and approved the request. Hope this info helps in some way








In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $15,000, Amex Starwood $10,000, Chase Freedom Visa Signature $10,000, Chase Sapphire Preferred Visa Signature $15,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $10,000, Cap One Quicksilver MasterCard $6000, Citi Prestige World Elite MasterCard $10,000, Citi Forward Visa $6900, Citi Premier World Elite MasterCard $5,800, Discover IT $8500
Message 4 of 8
Valued Contributor

Re: Chase CLI question

I'll be interested to know the answer to this one cos I got the Freedom too earlier this month with a hard limit of $500 and lowest APR of 14.99% after 0% for 15months (very weird). I've been recon'ing the limit like crazy and no one seems shaken, not even their EO. I already called their Backdoor again a couple mins ago and all she told me was that they need to see how well I manage the account in 6-12months before they can consider a line increase. Oh well at this point I give up trying, I'll go cash in my $135 I already accumulated and S'D it! It's very inconvenient cos I've had to pay 3 times already in a month not minding the drive to the bank to make payments since ACH payments aren't available immediately as opposed to cash payments. Oh well.....

Macy's AMEX $47,000| Citi $13,000| CapOne $18,000| Chase $25,000| SYNCB $53,000| Fidelity $7800| Discover $3,000| NASA FCU $3,500| BestBuy $6,100| Barclay $4,400| TD Bank $1,000|

Starting Score: 490
Current Score: EQ 728 (681 as of 07/30/14) EX 721 TU 735 (669 as of 07/30/14)
Goal Score: 780

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Message 5 of 8
Valued Member

Re: Chase CLI question

How should I use this card, i.e untilization...charge up to CL amd pay...what is best to create a history they will see as favorable?



Starting Score: 594 11/2010
Current Score: 5/14/2014 My Fico EX 675 TU 651 EQ 665
Goal Score: 850 (I'm coming)

Take the FICO Fitness Challenge
Message 6 of 8
Regular Contributor

Re: Chase CLI question

I used 50 to 75% of my CL every month and paid in full. Started with 2k, called in and got 5k at 6 months.


Last TL/HP 7/29/2015 | Gardening till December 2015 at least...
AMEX PRG - NPSL | NASA Cash Rewards - 30k | NFCU Cash Rewards VS - 25k | AMEX Everyday - 18k |
Chase CSP 16.8k | BOA 3-2-1 VS - 12k | Fidelity AMEX - 12k | Citi Dividend - 11.3k | Barclays Sallie Mae WMC - 10k | PayPal Extras MC - 7.5k | WalMart MC- 7.5k | Cap1 QS One - 6k | Barclays Apple Visa - 5.7k | Chase Freedom VS - 5k
Message 7 of 8
Member

Re: Chase CLI question

My dads been a great chase customer unfortunately life got the better of him and he got hit with a collection which dropped his credit a lot, is there any chance Chase would approve a CLI with a lower score or is it better to not test faith, he knows it'll be a hard pull
Message 8 of 8