Thank you for this! We are trying to use it heavily but we've also downsized quite a bit so we don't have a need for much credit. I just want a buffer, just in case...it will help our utilization if we end up with a few hundred on our card between bill date and statement close date 
Let's hope they are still giving out CLI candy - I would gratefully accept it!
@SouthJamaica wrote:
@JM761 wrote:Good morning,
My husband has a Chase slate. His CL is only $5600. He went from having very high utilization in 2020 and paying it down in 2021. We now keep it at less than 4% for the past few months. Recently, as we learn more about how to utilize credit from the myfico boards, we have been using the card for about $3800 per month (65%) and then paying it down (past two months it has been 4% at the time of the statement close date). We wanted it lower but we keep getting an insurance autopay for $210 (4%) right before the close date and we don't see it until it's too late. I'm going to change the date today.
He has one paid medical collection that is lingering until July 1. As soon as I can get it removed, we would like to call and ask for a CLI if the increased utilization doesn't trigger an auto CLI.
Does anyone know how long it will take for an auto CLI on a chase card?
Do you think we should call and ask? I've heard about calling the backdoor number instead of doing it automatically online - would that be better?
For reference: He has carried a balance in the past but no lates. Recently, asmentioned above, has been between 4-10%.
Goal is only $10 on the card at bill date.
Age of Chase account: 12+ years.
Scores:
EX: 738 Fico8 (today): shows paid medical collection from 2021 for less than $500. Tried to get it removed but they refused. Waiting till J
EQ: 727 Fico8 (6/20): shows same paid medical collection as above.
TU: 834 Fico8 (6/20): no collection
1. There's no rule for how long it might take to get an auto CLI. Some times you never get one from Chase. It's not something to count on.
2. The only way to ask for a CLI with Chase is by phone, and it's always a hard pull.
Thank you, @SouthJamaica ! I could have sworn my husband said he had the option on his CC login to ask for a CLI - but that doesn't mean he is right. Actually, I'm pretty sure he was confused...this whole credit thing is a bit overwhelming for both of us but he hasn't been paying as much attention as I have. I trust you are correct
Also, good to know it's a hard pull! I will wait and see what Chase decides to do - I don't want to risk a HP when we are already going to have one when we apply for an additional card in the next month or so.
Very helpful, as always. Thank you!
