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Chase Freedom CLI vs Apply for New Card?

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lostsols
Valued Member

Re: Chase Freedom CLI vs Apply for New Card?

If your only goal is to maximize available credit, I'd probably apply for another card.  Their automated system is pretty good about matching high limits.  But as a prior poster mentioned, that'll drag down your AAOA.  Not worth it in my book.  As for a CLI, Chase has always been difficult (for me).  They seem to focus a ton on their overall exposure.  In other words, if they feel you have enough credit across several cards, they're unlikely to give you additional credit simply to match your other high limits.  I've reconned this position several times, but I've never had success.  Once a human being in lending makes a decision regarding their maximum exposure, that's pretty much the end of it.  Just my experience, though.  Good luck.

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