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Chase credit limit increase (CLI)?

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staticvoidmain
Established Contributor

Re: Chase credit limit increase (CLI)?

I have had my Amazon Prime Visa for 4 years, and only two auto CLI, from SL of $5000, to $6000, to $9000... 3 years ago.

Message 11 of 34
Anonymous
Not applicable

Re: Chase credit limit increase (CLI)?

I have not had an Auto CLI for years now for either my Chase Freedom at 6K and Amazon Prime at 9K. I've tried increasing the usage on the Freedom but had no effect and now is sparsely used. Amazon is decently used ~5% every month.

 

I did however, get an email this month hinting if I updated my salary info they might.. that's also the first time I realized I had that information missing in my profile. For some reason I thought it was always there. So we shall see if something comes out of this now...

 

Message 12 of 34
NRB525
Super Contributor

Re: Chase credit limit increase (CLI)?

The image includes an asterisk after “can help ... higher credit line. * “ 

That probably branches to “we will pull a credit report”.

 

So the income info is added to your HP, not a replacement for the HP Smiley Happy

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 13 of 34
SweetCreditObsession
Valued Contributor

Re: Chase credit limit increase (CLI)?

This is a very useful data point. Thank you!


(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023





Message 14 of 34
delaney1
Established Contributor

Re: Chase credit limit increase (CLI)?

@amitv I posted a few weeks ago that I got autoluv from Chase. I was completely shocked, been with them for a couple of decades. It wasn’t until later that I remembered there was a message on my account a couple of months ago asking me to provide my income info to be considered for a cli.
Message 15 of 34
Anonymous
Not applicable

Re: Chase credit limit increase (CLI)?

The only fairly consistent catalyst I've seen is a high number of swipes. That's when I got my auto-CLI on my FU. Many others on the forums have reported the same, though there are outliers that don't correlate.

Message 16 of 34
Anonymous
Not applicable

Re: Chase credit limit increase (CLI)?

I've had my Chase Amazon Prime Visa for 6 months now, no auto CLI yet.  My 6th statement cuts next week.

 

However, I did CLD mine 2 weeks after getting it, which probably is a factor.... they probably figure I don't need a higher limit so they won't give me one, at least not for a while.

 

I haven't added income to my profile either.  It hasn't changed since I applied for the card in February.  If my income changes significantly enough in the positive I'll update it... but that's about as likely to happen as an auto CLI... lol.

 

Message 17 of 34
rbentley
Established Contributor

Re: Chase credit limit increase (CLI)?


@staticvoidmain wrote:

I have had my Amazon Prime Visa for 4 years, and only two auto CLI, from SL of $5000, to $6000, to $9000... 3 years ago.


You received both of your auto CLI's in the first year, but nothing in the three years since?  What was the timing on them in that first year.

Message 18 of 34
xaximus
Valued Contributor

Re: Chase credit limit increase (CLI)?

With Chase, It's a hit or miss. I received a CLI after I requested it, but it was a big one. Apparently, income does play a role as if it's not listed, the chances of getting one are slimmer (just from what I've seen/heard/read). I would suggest updating income in all CC lenders (make sure they are the same as well.)


Scores - All bureaus 770 +
TCL - Est. $410K
Message 19 of 34
MakingProgress
Senior Contributor

Re: Chase credit limit increase (CLI)?


@Anonymous wrote:

@Anonymous

 

And as a side note about actually requesting a CLI (HP) from Chase. They are stingy. You'd be better off using that HP to open another Chase card and then combining the new limit to your old card (or vice versa). 

 


Of course you need to be under 5/24 for that to work. 

FICO 8 Starting Score

Current Scores


Garden Goal is All Reports Clean – Achieved 11/26/20
Message 20 of 34
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