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I got a chase slate a few years ago. 5k limit, still a 5k limit. Income is very good, Recently Citi gave me a whopping 2k to 11k, BoA just gave me a 3k increase to 21k , Discover a 7k increase to 25k, Personal AMEX Blue is at 30k and NFCU just jumped me to 50k. Why is Chase so stingy? I do get the free FICO score with them, They say it's 840 ! Although I get a fico score with BoA,AMEX,Discover and Citi too. I don't get it with Chase.
I had to accept a hard pull to raise my Chase, nearly every time.
@PRILEY wrote:I got a chase slate a few years ago. 5k limit, still a 5k limit. Income is very good, Recently Citi gave me a whopping 2k to 11k, BoA just gave me a 3k increase to 21k , Discover a 7k increase to 25k, Personal AMEX Blue is at 30k and NFCU just jumped me to 50k. Why is Chase so stingy? I do get the free FICO score with them, They say it's 840 ! Although I get a fico score with BoA,AMEX,Discover and Citi too. I don't get it with Chase.
If you haven't, perhaps you should show at least 30% usuage on the card each month for a few months. My guess is if you don't use their card, there is no reason to CLI.
@p- wrote:I had to accept a hard pull to raise my Chase, nearly every time.
I randomly ran into one of your threads years ago where a few people remarked that 10,000 total credit limit was too low. You have come a long ways!
@Anonymous wrote:
@p- wrote:I had to accept a hard pull to raise my Chase, nearly every time.
I randomly ran into one of your threads years ago where a few people remarked that 10,000 total credit limit was too low. You have come a long ways!
Yeah, a lot has changed since then.
| Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |










Chase has been weird. I had to go the exec route to get my Freedom changed to a Signature, and they consistently lagged behind Cap1 in credit limits. Then, when my scores were over 800 suddenly they were happy to give me a bump up to 20k on the Freedom, and gave me instant approval on the Vader card for 25k soon after.
I think it helps that I use it a lot and PIF every month. A few years ago I called a credit analyst at their recon line when they denied me for a CLI, and she was very forthcoming about why and what they looked for. She mentioned it was a positivbe that I PIF every month, despite what I've heard about card companies prefering us to carry balances so that they can earn interest. The thing that kept me from the increase back then was too much recent credit. She said that if a person has a lot of new credit, or credit increases, Chase prefers to wait and see how they handle it before jumping in with a higher limit. She suggested I let it age to 6 months or a year, and try again. She was right.
In retrospect, what she said makes sense. Chase wants to see a long history of responsible credit use before they are willing to risk a high limit. They don't seem willing to hand out a lot of small increases like CAp1, but when they finally do, it's a good bump.
@p- wrote:Then, when my scores were over 800 suddenly they were happy to give me a bump up to 20k on the Freedom, and gave me instant approval on the Vader card for 25k soon after.
How long did it take you get a 800 score? I still remember that post of yours where you had a total of $10,000 CL some 8 years ago. I assume you probably started your credit building around then? I have a AAoA of one year and FICO 08 730-745 now from what Citi, Discover and American Express says.
OP, how many dollars are your running through your Chase card every month and are you paying it in full?