Chase SL transfer and future CLIs

[Anonymous]

I have two chase cards:

Chase Marriott: $16,500 (opened in 2013, never derog, CLI was stuck at $9k forever then got an autoCLI to $16,500 in March)

CSR: $30,000 (opened in April; instant approval for $30k)

I use the Marriott for my business travel (reimbursed by my employer) and spend $60k - $75k per year on that.  I need to increase the SL on the Marriott card further because it's killing my util every month.  Looks like I have three options:

(1) Transfer some of my SL from the CSR to the Marriott card.  No HP required.

(2) Request a CLI on the Marriott card.  HP required

(3) Wait until Chase decides to AutoCLI the Marriott card again (not my favorite idea)

I'd rather avoid the hard pull (at least for the next 6 months or so).  If I transfer the SL from the CSR over to the Marriott card, can I then go back in the future and ask for a CLI on the CSR?  I'd probably transfer $20k over to the Marriott card and would like to get that back.

Or... should I wait a few months and just eat the HP for the Marriott card?  I suppose could also wait a while and then app for the Freedom Unlimited and hope for a generous SL (and move that around).  

Any thoughts/recommendations.  Thanks!

(all scores 825+; income $169k; no debt other than mortgage and monthly spend; don't carry balances other than sometimes on the Marriott card if my expense reimbursments don't clear in time)

[simplynoir]

I think if you're willing to waste the HP I would ignore requesting a CLI and go straight to applying for a new card like the FU you mentioned and move the lines accordingly especially if you want to keep the CSR limit relatively intact. Otherwise I'd keep your HP and move some of your CSR line to the Marriott card and stand pat while crossing your fingers that Chase gives you auto-CLIs and if not plan accordingly on how you want to proceed.

[FinStar]

How much spend are you currently placing through CSR?

It would seem logical to reallocate a portion of the CL from CSR to Marriott to provide more breathing room on that specific card given the amount of activity of reimbursable expenses thereby saving an HP altogether.

You could wait another month (if desirable) to determine whether the Marriott receives any type of auto-CLI. If not, then reallocate as you wish.

If at any point in the future you want to increase the CL on CSR, you can definitely entertain that idea if you feel an HP is worthy, again depending on the spend you're putting on both CCs.

[Anonymous]

If you don't want an HP then you are pretty much forced to reallocate limits. I did the same when I received my CSR. Chase gave me generous CLs for my FU and Freedom cards...I kept $5K on each and moved the rest over to my CSR.

Even though you received an auto-CLI, it is out-of-character for Chase as they tend to be very stingy with soft-CLI. If you change your mind about taking an HP, I would recommend applying for an FU or Freedom. You could then reallocate limits from there.

[Anonymous]

I am curious as to why your CSR is not being used for business and reimbursed by your employer (considering the annual fee and all).....just curious...no advise or suggestions...