Interesting another of these posts came up. I was thinking of posting about this very topic. I myself got an auto CLI on my Freedom on Friday. I opened the account in September 2017. My billing cycle on that card starts on the 28th and ends on the 27th. I got the card with a $1500 starting limit and because of Chase's CLI policy, specifically hard pulls if you ask for a CLI without any offers, I said no. My personal policy is no hard pulls for a CLI, so I never requested one, although did inquire about soft pull CLIs, yet no offers. I had read about Chase auto CLI and soft pull offers and so what I did in March was run $1124.51 through the card and pay in full right before the billing cycle closed. That's almost 75% or 3/4 exactly. What I heard was that if you use the card heavily and by heavily, I mean charge more than the total credit limit, or close to it and PIF, and do it for a few months in a row, the chance of a soft pull CLI offer or auto CLI go up significantly. Because the card was already a year and a half old at this point, that made it more likely that I could get it after only 1 month of heavy useage. A big chunk of that bill was a dental bill that was a little under $700. This past Friday, I logged into my online account and saw that it said the credit limit on my Freedom was now at $3000. So I thought "well, it finally happened". My Freedom Unlimited, which I got in December 2017, remains at a $1500 limit. Now I know the prescription for an auto CLI on that card. But further auto CLIs on either my Freedom or Freedom Unlimited I feel are probably not very likely because of what it took to get the first one. But that'll be ok because I don't need giant limits on either card as I don't consider either my daily driver.
