Chase is so stingy !

[Anonymous]

Good thread....
Sounds like the sock drawer for my slate and it's 2,000 cl !
The kicker is that I applied hoping to BT
more than that.

[PRILEY]

The only reason I got a slate card was the balance transfer. That was really the only perk. I was planning on transfering around 13k. When I got approved for 5k i almost said stick it but since it was a hard pull I didn't and I put 4k on it and paid it off.  I have a better limit at Home Depot, pretty sad.

[Anonymous]

Maybe I'm not understanding you correctly.  So you got the card a few years ago, immediately put $4k on it and paid it off, but haven't used it since?  If that's the case, I can understand why you haven't received a CLI if you haven't used the card in over a year?

[driftless]

Having 13K in cc debt probably was a negative to Chase as well.

[Revelate]

Chase historically has always kinda sucked regarding CLI's.

For years we held the mantra: if you want more credit from Chase, apply for another card.  If you want a CLI, apply for another card, and then transfer the limit.  If you were going to take the HP anyway...

That's sorta taken a hit after the 5/24 rule went into effect, but it may still hold.  I don't ask for CLI's from Chase (and to be fair I utterly don't need them) though I've gotten a pair of auto CLI's in the past year on my Freedom (1k -> 2K -> 4K), and I did get a CLI on my Ink (5K -> 6.5K) previously... compared to what, 66K on 3 cards that I've picked up since then?  

[PRILEY]

I dont need it either. I have charged small things on slate and paid them off. Like I said the only thing i get from the slate card is a fico score (840) When I had 13k in debt I was at 9% uti. Heck with them. I don't need Chase.

[Anonymous]

Charging "small things" and paying them off likely isn't going to get you a CLI; CC issuers like to see pretty solid if not heavy usage, otherwise there isn't much reason or incentive for them to give out a CLI.

[PRILEY]

Whatever.

[Anonymous]

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@PRILEY wrote:

Whatever.

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Just being honest with you here.  I'm just letting you know that if you want a CLI you should try for a month or two to use the card heavily... up to maybe 50% of it's limit but PIF.  That would give them incentive to grant you the CLI that you're looking for.  Do what you will.

[PRILEY]

How heavy can you use a 5k card ( That has no perks) Miles, Points Etc. I have high limit cards that give me something back. I bought wifes Caddy on Amex Gold. Lots of points. Spend 30k plus on credit cards and pay them off with points. I get nothing with the slate card. I may as well use a debit card. All I'm saying is why is the limit so low. They see the limits I have on other cards. They also know my credit score (840) They sent it to me. Its buisness, you have to be competitive if you want the buisness.