How come Chase doesn't let you request increases online?

[Cookie2120987]

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@Turbobuick wrote:

Here's the response I received when I SM'd them recently. I have two Chase cards and directed the question of an CLI to Chase/Amazon which is currently $12.5K.

... copy/paste

"Thank you for contacting Chase regarding your inquiry
about credit line increase on your account.

Kindly note, the option to request for a credit line
increase is not available online but can be requested via
e-mail or by calling our toll-free number located on the
back of your Chase credit card or at the number listed
below.

However, I will be happy to process your request for a
credit line increase. In order to do so, please reply to
this email with the following information:

* Gross Annual Income (Alimony, child support or separate
maintenance income need not be revealed if you do not want
to consider these as a basis for repayment. Gross Annual
Income is income that you are able to use for repaying
your debts. Examples may include income earned from
salaries, investments, rental properties, Social Security
benefits and retirement accounts.)

* Total credit line you are requesting (Current credit
line plus amount of requested increase.)

* We will also need your Housing Status of Own or Rent as
well as your monthly housing payment.

By submitting a request for a credit line increase, you
authorize Chase to obtain a copy of your credit report,
credit bureau history and any other information in order
to determine if the request can be approved.

After we receive this information, we'll process your
request and respond to you by email.

It is a hard pull on your credit report.

If you have any further questions, please reply using the
Secure Message Center.

Thank you,

Vandana Joshua
Customer Service Specialist

1-800-436-7927"

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Yikes.. HP for a CLI that can be denied. Thanks for the ifi though. I'm curious.. Is the EO or UW route a HP as well? Or just the secure message route?

[FinStar]

The EO or UW routes would still be subject to HP, they're not safe havens to avoid any HPs

[CreditDunce]

It is always a HP with Chase unless it is an auto CLI.  Depending on the cards you have, it might be more efficient to app for the CSP.  Get the bonus. Move the CL to your Freedom.  Then close the CSP.   I believe Chase gives higher limits for the CSP than other cards.

But doing so might hurt your credit score and internal scoring with Chase.  It also might cost you a double HP if Chase double pulls for opening the new CC.

[Joebunaga]

Not sure how Chase figures their limits, but when I received my CSP at 5k(later auto-CLI'd to $6.5) it was right in line with most of my CLs. Later when I tried for the Freedom I was a little disappointed to only get $8k(later auto-CLI'd to 18k), but that was in line with other CLs I was receiving at the time. Both auto CLIs were SPs and happened less than a year after I received the cards. Just my .02