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Chase CLI without hardpull

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Regular Contributor

Chase CLI without hardpull

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.

Chase Sapphire: $10,000 | Amex BCE: $15,000 | BofA Cash Rewards WMC: $15,000 | Discover IT: $15,000

FICO: TU-793 (Discover), EX-805 (Amex), EQ-790
Message 1 of 16
15 REPLIES 15
Super Contributor

Re: Chase CLI without hardpull

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!

01/01/20 Fico 8: EX 711, EQ 712, TU 724.
01/05/20 Fico 9: EX 678, EQ 691, TU no idea...

Zero percent financing is where the devil lives...
Sitting in the garden behaving myself. #noinqs2020
Message 2 of 16
Super Contributor

Re: Chase CLI without hardpull

Chase isn’t big on giving CLIs even with the HP. Honestly I’d save yourself the inquiry.
Message 3 of 16
Community Leader
Mega Contributor

Re: Chase CLI without hardpull

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.
#ChaseCreditCardHobby Enthusiast
2022
!
Message 4 of 16
Valued Contributor

Re: Chase CLI without hardpull

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

Message 5 of 16
Valued Contributor

Re: Chase CLI without hardpull


@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!


+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.


TU FICO 8: 741 (7/19) — Ex FICO 8: 739 (7/19) — Opinions are my own and not the views of my employer
Message 6 of 16
Valued Contributor

Re: Chase CLI without hardpull


@bourgogne wrote:

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


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.


TU FICO 8: 741 (7/19) — Ex FICO 8: 739 (7/19) — Opinions are my own and not the views of my employer
Message 7 of 16
Valued Contributor

Re: Chase CLI without hardpull


@GrasshopperStudent wrote:

@bourgogne wrote:

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


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.


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

052619 JDR 3B.PNG

 

Message 8 of 16
Community Leader
Mega Contributor

Re: Chase CLI without hardpull

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. 

 

 

Message 9 of 16
Regular Contributor

Re: Chase CLI without hardpull

@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.

Chase Sapphire: $10,000 | Amex BCE: $15,000 | BofA Cash Rewards WMC: $15,000 | Discover IT: $15,000

FICO: TU-793 (Discover), EX-805 (Amex), EQ-790
Message 10 of 16
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