Is Chase bad with credit limits and increases?

[coldnmn]

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@Closingracer99 wrote:

Maybe Chase don't like you lol. I have the amazon Visa at $500 and just got accepted for the Freedom with a $3500 limit

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Chase seems to hate giving CLI. But has no problem giving much better CLs on second and third cards. Doesn't make sense to me but seems to be sadly true.

[budwiser]

I called the executive office to try to get my APR lowered. She said I had no offers at this time. I asked what that meant. She told me they SP every 6 months to check how you are doing. So I think that would be it for auto CLI as well.

[mikelo22]

I got my Chase Freedom about 11 months ago with a $1,200 CL. After 6 months, I got an auto CLI to $2,200. So I'm pretty pleased so far. It's very much YMMV.

[E150GT]

If you can afford the HP, Id call em and ask for a CLI. Thats what I did. My freedom was at $500 for over a year and I called and asked em for a $5700 limit to match my CSP. They did.  They also auto increased my CSP after a few months from $5700 to $8700.  Not sure why but I'll take it. 

[bigblue7722]

I would take a HP for another chase card. take the sign up bonus and trasnfer the limit after you get the bonus. 

[takeshi74]

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@issues636 wrote:

Is Chase bad with credit limits and increases?

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Really depends on one's credit.  First two Chase cards I applied for last year were both approved with $25K limits each.  I have never received a CLI from Chase but I know I hit my internal limit with them.  My wife, however, has received 2 auto CLI's on her Chase card.

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@issues636 wrote:

Is it even worth it to use the Freedom?

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Your call.  Would it be useful to you?

[ezdoesit]

Really depends on one's credit.  First two Chase cards I applied for last year were both approved with $25K limits each.  I have never received a CLI from Chase but I know I hit my internal limit with them.  My wife, however, has received 2 auto CLI's on her Chase card

+1

I applied for both the Csp and Freedom within four days of each other with the exact 19.4k CL.  I don't think I will ever get a CLI but why would I ever need any more.

[dubcee33]

I applied for a chase Freedom the other day. My scores are over 720. Utilization about 40%. no collections..no missed payments. No recent accounts. Income 80k. 

When I applied it was not instant approved so I called backdoor for Recon. The credit analyst told me the system declined it because I had a student loan where the balance was greater than the initial balance. She reviewed my file and then only approved me for $500. I told them they can take their card and shove it. (nicely) I had higher limits when I was subprime. 

At least my scores didn't budge when the inquiry hit! 

[Plasticard]

So far my Chase experience has been very good. I applied for their Freedom in June of last year, starting out with a $5,000 limit. At around the 9 month mark I received an auto increase to $7,500. No email notification or anything, I just logged on and to my surprise saw the increase. 

I also have a Chase Sapphire and just recently asked for a credit limit increase from $5,000 to $10,000. When asked for a reason, I just said I wanted to transfer $3,000 over and didn't want to have my report show really high utilization. Took a pull on my credit, but it was definitely worth it. 

[Yankeefan]

Chase gave me a $6k limit on my Freedom when I opened it September of 2012. They quickly gave me a $1,500 auto cli. Sometime last month Chase auto cli'ed my Freedom to $11K. The worst part is in going through my junk mail, I found an expired offer letter from Chase to request a sp cli. All I needed to do was provide updated income information and the amount of additional credit I desired.