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My Chase Freedom CL is the lowest, can I request a CLI without a HP?

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Girac
Regular Contributor

My Chase Freedom CL is the lowest, can I request a CLI without a HP?

I had the Freedom card for about 9 months now and the credit limit is pittiful 900, even Credit One gave me more. With this being my lowest CL I would either like an increase or close the account.

 

I understand Chase does a HP for CLI, is there any way around this?

 

I just received the Cap1 VentureOne card with a 20K limit, I have Discover at 8900, Amex at 7200, Cap1 QS 2500, Cap1 Platinum at 5K. Whats up with this 900 limit.

Message 1 of 32
31 REPLIES 31
ltorres25
Regular Contributor

Re: My Chase Freedom CL is the lowest, can I request a CLI without a HP?

I just requested a CLI from CHASE and it was a HP, I knew that going in. Aside from an auto CLI, your only bet is a HP CLI. It was worth it for me because I went from $4k limit to $10k limit.


| TU FICO: 747 | EQ FICO: 746 | EX FICO: 741 | Last HP: 5/20/15 |
Message 2 of 32
Anonymous
Not applicable

Re: My Chase Freedom CL is the lowest, can I request a CLI without a HP?

Hard Pull for me as well.  Declined due to "maximum exposure"

Message 3 of 32
CreditCuriosity
Moderator Emeritus

Re: My Chase Freedom CL is the lowest, can I request a CLI without a HP?

Out of curiosity who do they pull for CLI?  I believe I read it was TU?

Message 4 of 32
ltorres25
Regular Contributor

Re: My Chase Freedom CL is the lowest, can I request a CLI without a HP?

 


@CreditCuriousity wrote:

Out of curiosity who do they pull for CLI?  I believe I read it was TU?


I'm in Massachusetts and they pulled Experian


| TU FICO: 747 | EQ FICO: 746 | EX FICO: 741 | Last HP: 5/20/15 |
Message 5 of 32
Anonymous
Not applicable

Re: My Chase Freedom CL is the lowest, can I request a CLI without a HP?

I'm in Michigan and they've always pulled TU for me. Worth it when I did it two weeks ago. Went from $2k to $10k.
Message 6 of 32
Anonymous
Not applicable

Re: My Chase Freedom CL is the lowest, can I request a CLI without a HP?


@CreditCuriousity wrote:

Out of curiosity who do they pull for CLI?  I believe I read it was TU?


It was Experian for me when I got my  CLI last week.

Message 7 of 32
CreditCuriosity
Moderator Emeritus

Re: My Chase Freedom CL is the lowest, can I request a CLI without a HP?

Ya thinking of trying to get my CSP 10k limit to 15 or 20k..  Really don't want any more account lol.  Just trying to figure out my long term strategy.. But I love the Chase sign up bonuses so I am torn!  CSP is my favorite card currently and most practical since I eat out and travel!

Message 8 of 32
lg8302ch
Senior Contributor

Re: My Chase Freedom CL is the lowest, can I request a CLI without a HP?


@CreditCuriousity wrote:

Out of curiosity who do they pull for CLI?  I believe I read it was TU?


EX and EQ for me...constant double pulls for anything Smiley Sad

Message 9 of 32
SecretAzure
Valued Contributor

Re: My Chase Freedom CL is the lowest, can I request a CLI without a HP?


@lg8302ch wrote:

@CreditCuriousity wrote:

Out of curiosity who do they pull for CLI?  I believe I read it was TU?


EX and EQ for me...constant double pulls for anything Smiley Sad


When I got my card last month they pulled EQ (Florida).

 

I'd just spend on it until they gave me an auto-CLI. Might be easier.

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MCMust garden until 2/1/2022 to hit my goal AAOA. Smiley Indifferent
Message 10 of 32
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