Chase CLI without hardpull

[acb5456]

When will this bank finally get the memo? Several of the larger banking institutions offer CLI's without hard pulls--why is Chase behind the ball on this one? I've had the Sapphire for 6 years now and they're never offered an auto-CLI. I messaged them and they said hard pull only. I guess the only way to grow this card is for them to throw an inquiry on my report..grrrrr.

[tcbofade]

Honestly, it's been reported around here that you're better off applying for a new Chase product, then rearranging limits.

DW just did that.  She's had a Slate stuck at $7.5k for six years, a Freedom stuck at $2k for five years, and JUST got approved for a CSP at $18k.

Good luck!

[kdm31091]

Chase isn’t big on giving CLIs even with the HP. Honestly I’d save yourself the inquiry.

[AverageJoesCredit]

Chase normally gives what they think your worth upon your approval. Obviously they felt 10k was sufficient . If you are spending like crazy and utilizing your limit, often times thats when you might see an auto cli.

[bourgogne]

do you have your income updated on the portal?

do you put a limits worth of spend through the card often?

the idea of opening up a new account and impacting aaoa to get the result makes no sense to me

[Anonymous]

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@tcbofade wrote:

Honestly, it's been reported around here that you're better off applying for a new Chase product, then rearranging limits.

DW just did that.  She's had a Slate stuck at $7.5k for six years, a Freedom stuck at $2k for five years, and JUST got approved for a CSP at $18k.

Good luck!

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+1. I was really happy to see the SL I did on my CSP last week because I want to reallocate to F/FU.

OP, I did take an HP CLI on my FU back in the day. $1k to $2k. It's better to get a product with a SUB, even if you reallocate to its minimum ($500 on most cards, higher on some e.g., CSP/CSR) and close it out.

[Anonymous]

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@bourgogne wrote:

the idea of opening up a new account and impacting aaoa to get the result makes no sense to me

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It depends what mode you're in. If you're looking to garden in anticipation of a mortgage, it wouldn't make sense, but neither would the HP to get a CLI in the first place. If you're set for at least a year or two, then the hit is probably lesser than the reward of the SUB.

[bourgogne]

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@Anonymous wrote:

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@bourgogne wrote:

the idea of opening up a new account and impacting aaoa to get the result makes no sense to me

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It depends what mode you're in. If you're looking to garden in anticipation of a mortgage, it wouldn't make sense, but neither would the HP to get a CLI in the first place. If you're set for at least a year or two, then the hit is probably lesser than the reward of the SUB.

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there is another reason from a pure vanity standpoint.  I like to see this all the time and unless one has a super long history the only way to perfection is to not hit the return key.  everyone has there thing

[Remedios]

I am starting to think that "P" in HP stands for phobia 

If you get a new card (which would probably yield a better result), you get a HP

If you ask for CLI, you get a HP

Either way with them, HP is inevitable. 

I personally would not go for HP CLI when it comes to Chase, too unpredictable. 

Also, plenty of people get auto CLIs. I got one at 5 months on Freedom that's really not even seeing that much use other than quarterly categories. 

If a lender makes you miserable with their business practices, you go with "plenty of fish" elsewhere. 

[acb5456]

@Remedios: No phobia, and certainly not miserable with Chase--if I was, I wouldn't use the card. 

It's simple--I do not want an inquiry on my credit report for an increase in available spending power.

I'm positive that there are many people getting auto-increases, I stated that I am not, and therefor it was just a little bit of a rant that Chase seems to be lagging behind in serving customer needs without unnecessary steps.