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Does Chase give auto CLIs on Freedom?

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Established Contributor

Re: Does Chase give auto CLIs on Freedom?


@somnipotent wrote:

I use my freedom for everything except gas (unless it's the 5% quarter).  I only got a $200 bump after 3 months though, so hopefully after a year they'll grow me a bone.  I plan on upgrading to a Visa Sig version at 13 months and asking for a CLI at the same time.


Good luck on the conversion to Signature.  I called last night, after having my Freedom for 18 mos, and a 9k CL, and was told they couldn't convert to Signature.  Only to Slate, or Freedom MC.  I bluntly declined the offer.  I've run almost 50k through the card along with Sapphire Preferred, and plan to go through the EO for conversion request.

Current Score: EQ: 828, EX: 833, TU: 820 Citi TY Premier WEMC 46.5, (Since 1983)Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| Cap One QS WMC 15K|Chase Freedom VS 19.3k|Citi Dividend WEMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Macys 5k|Sams MasterCard 15k|Barclay Arrival Plus WEMC 18.7k|Chase IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k|Amex Everyday 16.2|BBVA Amex 22.5k|Total Rewards VS 12.5k|SGV 10K|Venture 12k|BOA Virgin Atlantic WEMC 11.2K|MB Amex 9.5k
Message 31 of 40
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Super Contributor

Re: Does Chase give auto CLIs on Freedom?

Kippie, send a secured message via chase online.

My freedom is less than 12 months and they finally converted it to a signature for me. Took me about 3 emails before they said they would escalate it to a specialist. I got a call about 2 days later, and was told it will be converted. Now that I have it I don't think it really makes any difference lol
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 32 of 40
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Super Contributor

Re: Does Chase give auto CLIs on Freedom?


@KIPPIE12 wrote:

@somnipotent wrote:

I use my freedom for everything except gas (unless it's the 5% quarter).  I only got a $200 bump after 3 months though, so hopefully after a year they'll grow me a bone.  I plan on upgrading to a Visa Sig version at 13 months and asking for a CLI at the same time.


Good luck on the conversion to Signature.  I called last night, after having my Freedom for 18 mos, and a 9k CL, and was told they couldn't convert to Signature.  Only to Slate, or Freedom MC.  I bluntly declined the offer.  I've run almost 50k through the card along with Sapphire Preferred, and plan to go through the EO for conversion request.


If you have a CSP why do you want to run money through the freedom other than for the category spending? Is freedom better for some things?

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 33 of 40
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Regular Contributor

Re: Does Chase give auto CLIs on Freedom?

In response 


@armbenderc wrote:

@thelethargicage wrote:

I keep hearing the only way to get a CLI is by requesting one (and it costs you a hard inquiry).  Is this true?  Don't they do auto CLIs at all?  What does it take to get one?


Yes, they do. I got my auto CLI at 4-5 months. Went from 3.7k to 4.2k


@and @noober0x 

Well from some researching I believe they do, do auto CLI but from the trends I been seeing, is as if, They do so in very small increments (which is fine if you don't mind slowly getting to that limit you want, especially since its usually a soft pull/ or especially if your comfortable with the limits your at and just happy that their not pulling a Cap1 and not distributing them at all + at the same time avoiding inquiries) lol but for others who think they deserved a higher starting limit and don't mind the inquiries (usually might take +2 to get to that preferred limit), and shooting for big increases I think the only way is to follow the every 6 months + HP rule (through the senior analyst) is the way to go as they are not that hard up on increasing you to those higher limits like I said as long as your showing trends/good combos  of spending + responsible-ness. I mean they might not give you that 10k right away as I'm going through the process but as -p said wait a year and you should get it as, when I asked for my first CLI, I asked for 10k, they countered 5k, I'm kicking this 5k limit in the butt, and I know when I finish my mini project and do the second MR I will be at 10k, but CLI and Chase are a complex process as I'm learning. Smiley Wink -LJ

20 Years & 1 Month Young; Total Income: $53k (Credit History): 1.9 years AAOA: 1.0 years
Fico Scores: Exp: 725 (12/4) EQ: 703 (11/13) TU: 736 (12/6) Total Credit Available: 89k
Wallet: AmEx Plat- NPSL | AmEx BCP $10.5K | BestBuy SC $10k | Duck Card $8k | BoFA CR Plat Plus Sig. $5k | Discover IT $6k | Chase Freedom Sig. $7k | CSP Sig. $5k | USBank Cash+ Sig. $5k | Barclays R MC $5k | Chevron Visa $5k | BR Visa $5k | Walmart Discover $4k | DCU Plat Visa $3k | QuickSilver CR $3k | Macy's Store CC/Macy's Amex $2.5k/$3k | BML $1.2k | Citi Divi Plat Visa $500
Open Loans: Sallie Mae SL: ($5.6k) (Def.) Car Loan (Red Devil FR-S): $20k/33k Remaining -Will Pay Off in 2yrs. Advice Welcomed!
Message 34 of 40
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Regular Contributor

Re: Does Chase give auto CLIs on Freedom?


@KIPPIE12 wrote:

@somnipotent wrote:

I use my freedom for everything except gas (unless it's the 5% quarter).  I only got a $200 bump after 3 months though, so hopefully after a year they'll grow me a bone.  I plan on upgrading to a Visa Sig version at 13 months and asking for a CLI at the same time.


Good luck on the conversion to Signature.  I called last night, after having my Freedom for 18 mos, and a 9k CL, and was told they couldn't convert to Signature.  Only to Slate, or Freedom MC.  I bluntly declined the offer.  I've run almost 50k through the card along with Sapphire Preferred, and plan to go through the EO for conversion request.


 

Ridiculous! They told me 13mos. Ugh, Chase is really p****** me off!

Message 35 of 40
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Valued Contributor

Re: Does Chase give auto CLIs on Freedom?

Chase auto CLI's are rare from what I've read.

Message 36 of 40
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Valued Contributor

Re: Does Chase give auto CLIs on Freedom?


@kevinjjc wrote:

Chase auto CLI's are rare from what I've read.


They're not that uncommon, but you need an appropriate credit profile PLUS heavy usage. If you're not using something close to 50% of your limit every month and PIF, your chances are greatly diminshed.

 

Also if you apply for additional Chase cards, your likelyhood of getting auto CLIs are very low. From their perspective, they just extended you additional credit through a new card. Therefore you're less likely to get an auto-CLI on an existing one.

 

To maximize your chances of a CLI with Chase with an existing card:

 

1. Heavy usage every month and PIF

2. Limit how many new cards you apply for with them, preferably none

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Message 37 of 40
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Established Member

Re: Does Chase give auto CLIs on Freedom?


@CreditScholar wrote:

@kevinjjc wrote:

Chase auto CLI's are rare from what I've read.


They're not that uncommon, but you need an appropriate credit profile PLUS heavy usage. If you're not using something close to 50% of your limit every month and PIF, your chances are greatly diminshed.

 

Also if you apply for additional Chase cards, your likelyhood of getting auto CLIs are very low. From their perspective, they just extended you additional credit through a new card. Therefore you're less likely to get an auto-CLI on an existing one.

 

To maximize your chances of a CLI with Chase with an existing card:

 

1. Heavy usage every month and PIF

2. Limit how many new cards you apply for with them, preferably none


Sounds like it would work, How long do you think this would take? 6 months? I got my Freedom in 06 or 07, It wasn't called that, but it was automatically transformed. In the beginning I got two auto CLIs from 500 to 750 to 1500, where its been for EVER.


Just got into PIFing and turboing my score around April 13, not any lates but high UTL sometimes. Maybe if nothing happens by the end of the year I may take a HP.

 

I guess ive got Amex 61 day CLI coming up to keep me distracted.

MyFICO (4/13) EQ score 733 CK TU score 6/13 754 FCR EX 4/13 736

CU overdraft protection CL $500 Freedom $3000 CSP $8000 BofA 123Cash Reward $3000 C1 QS1 $1250, C1 QS $5500 PP Cred $2950 Amex BCP $19500 DISC IT: $14,100 Home Depot $8000
Message 38 of 40
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Regular Contributor

Re: Does Chase give auto CLIs on Freedom?


@tk_0014 wrote:

@CreditScholar wrote:

@kevinjjc wrote:

Chase auto CLI's are rare from what I've read.


They're not that uncommon, but you need an appropriate credit profile PLUS heavy usage. If you're not using something close to 50% of your limit every month and PIF, your chances are greatly diminshed.

 

Also if you apply for additional Chase cards, your likelyhood of getting auto CLIs are very low. From their perspective, they just extended you additional credit through a new card. Therefore you're less likely to get an auto-CLI on an existing one.

 

To maximize your chances of a CLI with Chase with an existing card:

 

1. Heavy usage every month and PIF

2. Limit how many new cards you apply for with them, preferably none


Sounds like it would work, How long do you think this would take? 6 months? I got my Freedom in 06 or 07, It wasn't called that, but it was automatically transformed. In the beginning I got two auto CLIs from 500 to 750 to 1500, where its been for EVER.


Just got into PIFing and turboing my score around April 13, not any lates but high UTL sometimes. Maybe if nothing happens by the end of the year I may take a HP.

 

I guess ive got Amex 61 day CLI coming up to keep me distracted.


Your one month behind me! So I would advise you get your 3x CLI first, then keep low UTL (after the inc) on that amex card, and even though you will want to do heavy spending with the new limit, avoid that temptation and convert all of your spending/ start putting anything you can on that freedom card (gas/light bills/cable bills/ groceries/ anything that you normally would pay cash/check for) etc and keep pifing it for the next 4 months (9% on however you want to do it, but I suggest it is nothing over 9%) and when your amex new line has posted, and somewhere around oct 21-29 when your statement cutoffs, call up chase and ask for a senior analyst to review your account and whatever limit you want ask for a little bit higher (because in most cases they will counter offer) especially given your situation and you should be able to get a pretty good increase. (at the exception of a hard pull) -LJ

20 Years & 1 Month Young; Total Income: $53k (Credit History): 1.9 years AAOA: 1.0 years
Fico Scores: Exp: 725 (12/4) EQ: 703 (11/13) TU: 736 (12/6) Total Credit Available: 89k
Wallet: AmEx Plat- NPSL | AmEx BCP $10.5K | BestBuy SC $10k | Duck Card $8k | BoFA CR Plat Plus Sig. $5k | Discover IT $6k | Chase Freedom Sig. $7k | CSP Sig. $5k | USBank Cash+ Sig. $5k | Barclays R MC $5k | Chevron Visa $5k | BR Visa $5k | Walmart Discover $4k | DCU Plat Visa $3k | QuickSilver CR $3k | Macy's Store CC/Macy's Amex $2.5k/$3k | BML $1.2k | Citi Divi Plat Visa $500
Open Loans: Sallie Mae SL: ($5.6k) (Def.) Car Loan (Red Devil FR-S): $20k/33k Remaining -Will Pay Off in 2yrs. Advice Welcomed!
Message 39 of 40
Highlighted
Valued Contributor

Re: Does Chase give auto CLIs on Freedom?


@tk_0014 wrote:

@CreditScholar wrote:

@kevinjjc wrote:

Chase auto CLI's are rare from what I've read.


They're not that uncommon, but you need an appropriate credit profile PLUS heavy usage. If you're not using something close to 50% of your limit every month and PIF, your chances are greatly diminshed.

 

Also if you apply for additional Chase cards, your likelyhood of getting auto CLIs are very low. From their perspective, they just extended you additional credit through a new card. Therefore you're less likely to get an auto-CLI on an existing one.

 

To maximize your chances of a CLI with Chase with an existing card:

 

1. Heavy usage every month and PIF

2. Limit how many new cards you apply for with them, preferably none


Sounds like it would work, How long do you think this would take? 6 months? I got my Freedom in 06 or 07, It wasn't called that, but it was automatically transformed. In the beginning I got two auto CLIs from 500 to 750 to 1500, where its been for EVER.


Just got into PIFing and turboing my score around April 13, not any lates but high UTL sometimes. Maybe if nothing happens by the end of the year I may take a HP.

 

I guess ive got Amex 61 day CLI coming up to keep me distracted.


It took me 3 months to get an auto CLI. I'm not sure about others.

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Message 40 of 40
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