Chase CLI secrets?

[Anonymous]

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@Gidgetmom wrote:

Sorry to hear c00.  That's what I worried would happen to me.  Any data points you'd care to share?

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I knew it would be a HP and he confirmed, i have not seen the alert!  Hope they just did a SP to get a sense of my profile for the denial.

My scores are:

TU 714 About 14 inquiries

EQ 683 About 14 inquiries
EX 693 About 32 inquiries (california resident)

New accounts in October:

1. US Bank Cash + CC

2. US Bank 365 CC

3. US Bank CLOC

4. US Bank Checkings

5. NFCU Checkings (HP)

6. NFCU CC

7. NFCU CLOC

8. AMEX Delta Platinum

9. AMEX ED

10. Prosper

10. Wells Fargo Checkings (SP)

Total credit line about $142K $0 balances reporting.  Had the CSP for over two years (approval after 3rd recon).  Ch7 d/c 10/2010 (chase was included for about $100 or so).

[HeavenOhio]

c00mtg, is there something about being a CA resident that causes the extra pulls?

Gidgetmom, I've never seen a pattern for Chase that indicates any kind of cause and effect. One member posted that extremely heavy use might cause a CLI.

In my case, I got a CLI on my Amazon card four months in. My usage during those months ranged from 20–30% of my limit, although I never cut a statement balance that high. In two of the four months, my balance was zero .(One of those months was actually a negative balance.) My gut says that any kind of usage beyond leaving the card in the sock drawer would have triggered my increase.

[Anonymous]

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@HeavenOhio wrote:

c00mtg, is there something about being a CA resident that causes the extra pulls?

Gidgetmom, I've never seen a pattern for Chase that indicates any kind of cause and effect. One member posted that extremely heavy use might cause a CLI.

In my case, I got a CLI on my Amazon card four months in. My usage during those months ranged from 20–30% of my limit, although I never cut a statement balance that high. In two of the four months, my balance was zero .(One of those months was actually a negative balance.) My gut says that any kind of usage beyond leaving the card in the sock drawer would have triggered my increase.

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It just seems that or CA, Experian is the CRA of choice.

[Anonymous]

Just received an auto-CLI a few days ago on the Amazon Prime Rewards VS. It was only a $1k increase making it a total limit of $2k which is still my lowest limit . I've had the card for about 10mths now. Had only been using it for Amazon purchases here and there but began to use it more frequently with 20-30% of utilization these past 2-3mths. So I guess they do like usage but I probably won't be using it anymore if that's all they could give me. Only going to be using it for Amazon purchases from now on. Thats what its pretty much good for anyway.

[Anonymous]

IMO the best way to stimulate an auto CLI from any lender, not just Chase, is to use a large portion of your limit cycle after cycle and always pay it off (or nearly PIF). This is the only logical reason to get a CLI anyway, that is, showing the lender that you actually need it not just want it.

[DeeBee78]

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@Anonymous wrote:

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@HeavenOhio wrote:

c00mtg, is there something about being a CA resident that causes the extra pulls?

Gidgetmom, I've never seen a pattern for Chase that indicates any kind of cause and effect. One member posted that extremely heavy use might cause a CLI.

In my case, I got a CLI on my Amazon card four months in. My usage during those months ranged from 20–30% of my limit, although I never cut a statement balance that high. In two of the four months, my balance was zero .(One of those months was actually a negative balance.) My gut says that any kind of usage beyond leaving the card in the sock drawer would have triggered my increase.

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It just seems that or CA, Experian is the CRA of choice.

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Same for those of us next door in NV. When I saw that thread yesterday where DCU pulled EX instead of EQ on someone, I winced. Everyone wants to pull EX and sometimes TU on the west coast. The only lenders I've found out here that always pull EQ are Discover, Comenity, and Capital One, via their triple pull. 

[Anonymous]

Yeah, we need a new law for pulling credit and HPs lol

[drmceo]

I have had a chase Marriott rewards card with an 8k limit and a sapphire with a 5k limit since may of last year. For the first 10 months I ran anywhere from 6k-12k through the marriott card and pif and no luv at all from chase. So I have no idea what the want. It is still my preffered card because I travel and love the points for free rooms so I still use it for every purchase. I would think me running 75k through it would trigger something.

[Anonymous]

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@drmceo wrote:

I have had a chase Marriott rewards card with an 8k limit and a sapphire with a 5k limit since may of last year. For the first 10 months I ran anywhere from 6k-12k through the marriott card and pif and no luv at all from chase. So I have no idea what the want. It is still my preffered card because I travel and love the points for free rooms so I still use it for every purchase. I would think me running 75k through it would trigger something.

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You would think so.  I would assume your income is sufficient considering your spend.  Is there anything else profile-related that could be holding you back?  How are your scores?  Your utilization?  Any negative items? 

[Anonymous]

I finally after 2 years got one. It was $1900 on my Freedom Unlimited to $4400. Ironically I have a CSR and United Card with $12k limits each. I did update my income info and noticed the changed limit.