@lg8302ch wrote:
@Anonymous wrote:
@B335is wrote:
@TruBlu wrote:
How is Chase in giving out CLIs when you run relatively low balances compares to the CL?Nonexistent. You need to push a lot of money through Chase cards to get an auto-CLI.
So let's say I was pushing 60% of my CL and PIF.. Enough?
For Chase I have applied a different strategy myself. The only time I tried to get a CLI on my Freedom I got hit with a double pull on EX/EQ and all they gave me was 500$
So I decided to go for a new account and got 16K and simply moved over 1K to the Freedom. This example showed me that I would rather take a new card (Chase has soooo many nice and useful cards) rather than trying to get a baby CLI for a double pull. For me definitely new accounts get better results with Chase.
Definitely a wise strategy as far as Chase is concerned.
I really wouldn't count on a Chase auto-CLI (I know OP wasn't asking about auto). If you're willing to give one or three hard pulls, they may ask for a reason. The one time I asked for one before I knew better, I advised my company was switching preferred airline from American to United.
@Anonymous wrote:
@B335is wrote:
@Anonymous wrote:
@B335is wrote:
@TruBlu wrote:
How is Chase in giving out CLIs when you run relatively low balances compares to the CL?Nonexistent. You need to push a lot of money through Chase cards to get an auto-CLI.
So let's say I was pushing 60% of my CL and PIF.. Enough?
Possibly even higher and making multiple payments throughout the month for better chances.
Well then! If 40K/yr+ spend isn't enough then I'll take my spend back over to Discover and try for a premium plus once the wife's CSP minimum spend is met.
*shivers*
I'd write a check before I gave Discover that much spend 
@B335is wrote:
@Anonymous wrote:
@B335is wrote:
@Anonymous wrote:
@B335is wrote:
@TruBlu wrote:
How is Chase in giving out CLIs when you run relatively low balances compares to the CL?Nonexistent. You need to push a lot of money through Chase cards to get an auto-CLI.
So let's say I was pushing 60% of my CL and PIF.. Enough?
Possibly even higher and making multiple payments throughout the month for better chances.
Well then! If 40K/yr+ spend isn't enough then I'll take my spend back over to Discover and try for a premium plus once the wife's CSP minimum spend is met.
*shivers*
I'd write a check before I gave Discover that much spend
What's wrong w/Discover?
@B335is wrote:
@Anonymous wrote:
@B335is wrote:
@Anonymous wrote:
@B335is wrote:
@TruBlu wrote:
How is Chase in giving out CLIs when you run relatively low balances compares to the CL?Nonexistent. You need to push a lot of money through Chase cards to get an auto-CLI.
So let's say I was pushing 60% of my CL and PIF.. Enough?
Possibly even higher and making multiple payments throughout the month for better chances.
Well then! If 40K/yr+ spend isn't enough then I'll take my spend back over to Discover and try for a premium plus once the wife's CSP minimum spend is met.
*shivers*
I'd write a check before I gave Discover that much spend
Yeppers... Plus no guarantee that you'd get the "upgrade" invite. Unless you have a lot of disposable income, I mean a lot, where Discover can definitely be viable for ordinary spending - most rotating categories are capped as it is.
@Anonymous wrote:
@B335is wrote:
@Anonymous wrote:
@B335is wrote:
@Anonymous wrote:
@B335is wrote:
@TruBlu wrote:
How is Chase in giving out CLIs when you run relatively low balances compares to the CL?Nonexistent. You need to push a lot of money through Chase cards to get an auto-CLI.
So let's say I was pushing 60% of my CL and PIF.. Enough?
Possibly even higher and making multiple payments throughout the month for better chances.
Well then! If 40K/yr+ spend isn't enough then I'll take my spend back over to Discover and try for a premium plus once the wife's CSP minimum spend is met.
*shivers*
I'd write a check before I gave Discover that much spend
What's wrong w/Discover?
IME: APR too high, low starting limit. Not growing, regardless of my utilization. Now I just put the random charge on them, to keep it alive, and it's in 1st position, next time I chop.
@Burned2manybridgesB4 wrote:
@Anonymous wrote:
@B335is wrote:
@Anonymous wrote:
@B335is wrote:
@Anonymous wrote:
@B335is wrote:
@TruBlu wrote:
How is Chase in giving out CLIs when you run relatively low balances compares to the CL?Nonexistent. You need to push a lot of money through Chase cards to get an auto-CLI.
So let's say I was pushing 60% of my CL and PIF.. Enough?
Possibly even higher and making multiple payments throughout the month for better chances.
Well then! If 40K/yr+ spend isn't enough then I'll take my spend back over to Discover and try for a premium plus once the wife's CSP minimum spend is met.
*shivers*
I'd write a check before I gave Discover that much spend
What's wrong w/Discover?
IME: APR too high, low starting limit. Not growing, regardless of my utilization. Now I just put the random charge on them, to keep it alive, and it's in 1st position, next time I chop.
Wife/My AU Discover It has $11,000 limit right now. More than ample enough to not have to run it past 30-40% monthly.
Everyone's experience is different but Discover has been good to my family in general. We've derived approximately 3% CB from them in the 3 1/2yrs we've had the card. Our APR is 16.24% outside of 0% promo which we've had 3 of, In fact, my mother's standard Discover APR is 7.24% and she's currently in her 2nd 0% promo.
Hell, they even approved me with a 637 EQ FICO with more than an acceptable CL ($1,800) considering how much dirt that report still has.
@Anonymous wrote:
@B335is wrote:
@Anonymous wrote:
@B335is wrote:
@Anonymous wrote:
@B335is wrote:
@TruBlu wrote:
How is Chase in giving out CLIs when you run relatively low balances compares to the CL?Nonexistent. You need to push a lot of money through Chase cards to get an auto-CLI.
So let's say I was pushing 60% of my CL and PIF.. Enough?
Possibly even higher and making multiple payments throughout the month for better chances.
Well then! If 40K/yr+ spend isn't enough then I'll take my spend back over to Discover and try for a premium plus once the wife's CSP minimum spend is met.
*shivers*
I'd write a check before I gave Discover that much spend
What's wrong w/Discover?
Where do I begin.....
1) Unprofessional customer service
2) Unethical business practices (they still owe me $15 from shopdiscover)
3) Stingier than any other lender for CLI
4) Typical 3-2-1 cash back card, they're a dime a dozen these days
@B335is wrote:
@Anonymous wrote:
@B335is wrote:
@Anonymous wrote:
@B335is wrote:
@Anonymous wrote:
@B335is wrote:
@TruBlu wrote:
How is Chase in giving out CLIs when you run relatively low balances compares to the CL?Nonexistent. You need to push a lot of money through Chase cards to get an auto-CLI.
So let's say I was pushing 60% of my CL and PIF.. Enough?
Possibly even higher and making multiple payments throughout the month for better chances.
Well then! If 40K/yr+ spend isn't enough then I'll take my spend back over to Discover and try for a premium plus once the wife's CSP minimum spend is met.
*shivers*
I'd write a check before I gave Discover that much spend
What's wrong w/Discover?
Where do I begin.....
1) Unprofessional customer service
2) Unethical business practices (they still owe me $15 from shopdiscover)
3) Stingier than any other lender for CLI
4) Typical 3-2-1 cash back card, they're a dime a dozen these days
I feel like they've "written me off," as the other cards I have blow them out of the water, by limits, or percentage rewards overall. Can't justify investing more time, and effort into them, if it's not returned.
@B335is wrote:Where do I begin.....
1) Unprofessional customer service
2) Unethical business practices (they still owe me $15 from shopdiscover)
3) Stingier than any other lender for CLI
4) Typical 3-2-1 cash back card, they're a dime a dozen these days
Down through the years I have said all that about every card I've ever had. 