How is Chase with CLIs Lately?

[smc733]

Hi All,

This is probably a moot point for a while, given that Discover is going to become my primary card for the next 12 months while this double cash promotion is ongoing...

But I just had my BofA increased (with hard pull) from $10k to $25k, which I thought was worth it.  Now BofA, Discover and Amex are leaving Chase and Citi behind (I won't bother a hard pull on Citi, as I hate them anyway), but I would like to get my freedom into the 20s.  Some say their CLIs aren't worth it, is this the case, even at high CLs?  I won't bother opening a new card and closing it, don't want to hurt my AAoA, but I'm open to a hard pull if everyone thinks the results could be worth it.

Thanks,

smc

[Anonymous]

No personal experience with a CLI on Chase, but Chase can be extremely generous or extremely stingy depending on whether or not they like you and your credit profile. One thing they're really harping on right now is # of accounts opened in the past 2 years, and specifically no more than 5. I'm not sure if that affects their CLIs, but it's been widely suspected to be affecting new approvals so wouldn't be surprised if CLIs were also affected. So if you have a lot of new accounts I'd play it safe, otherwise with your great limits on other cards, maybe give it a shot and see what happens. It will be a hard pull, just FYI.

[Anonymous]

At 10k already I wouldn't risk it...not known for being very generous with clis and definitely a hp

[kdm31091]

Don't waste your HP. CLIs with Chase are a waste of time.

If you like their products, have them and use them but don't expect them to grow. It's just how they are. If you want growth, Discover, Amex, even Capital One is a better choice usually.

10k is plenty for a Freedom. With Discover's promo there is very little reason to even use the Freedom for anything but the categories not available on Discover in a given quarter. Definitely no reason to spend anything close to 10k on the Freedom

[Credit-hoarder]

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kdm31091 wrote:

Don't waste your HP. CLIs with Chase are a waste of time.

If you like their products, have them and use them but don't expect them to grow. It's just how they are. If you want growth, Discover, Amex, even Capital One is a better choice usually.

10k is plenty for a Freedom. With Discover's promo there is very little reason to even use the Freedom for anything but the categories not available on Discover in a given quarter. Definitely no reason to spend anything close to 10k on the Freedom

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OP: I solidly agree with this 100%...Although you already have a high limit so they MAY be willing to extend you more credit. It's when you have low lines and high APRs like I do with them that you're card remains stuck at that level for life. I've come to terms with that fact-and along with never applying for cards with them again also will never take a HP for a CLI with them again either. I already did once a while back and came up empty handed.

[smc733]

Thanks all!  Lots of great feedback.

That settles it, I will leave the card as-is.  I've only been using it for 5% categories, anyhow.  As much as I love Chase's products, I hate the bank (lackluster service (at least on this card), no APR reductions (at 15.24%), stingy customer-unfriendly practices).

$10k is probably enough, given the most this card ever sees in a month is a maximum of $1,000.  I'll focus on getting Amex and Discover to mach the $25k on BofA next, they're both soft pulls and they're very close.

Can't wait to put this 2%/10% Discover through some HEAVY use this year.

[Anonymous]

came here hoping to read good news but things are still the same. july will be my 6th month with my freedom. I've been using it a lot and always paying full so it would be nice to see one of those 6th month autoluv some have recieved, specially since my freedom sits at a low 1k.

[Jerry45]

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@Anonymous wrote:

No personal experience with a CLI on Chase, but Chase can be extremely generous or extremely stingy depending on whether or not they like you and your credit profile. One thing they're really harping on right now is # of accounts opened in the past 2 years, and specifically no more than 5. I'm not sure if that affects their CLIs, but it's been widely suspected to be affecting new approvals so wouldn't be surprised if CLIs were also affected. So if you have a lot of new accounts I'd play it safe, otherwise with your great limits on other cards, maybe give it a shot and see what happens. It will be a hard pull, just FYI.

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Wow Good Info. Thanks

[Jerry45]

It seems to me, with info from many Chase holders here, that CLI's come mostly when you pay in full each month.

[Anonymous]

I've had the card since November and even when trying to meet a spend bonus I still use my Freedom card, not a peep. Always paid in full too..if I ever need to make a large purchase I have other cards so I'm not worried.