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

[Girac]

After reading some of the comments that it was worth it to request a CLI, I went ahead and requested a CLI only to receive, We will call you on 7 days.

What are the chances they will give me an increase?

[ltorres25]

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@Girac wrote:

After reading some of the comments that it was worth it to request a CLI, I went ahead and requested a CLI only to receive, We will call you on 7 days.

What are the chances they will give me an increase?

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I called one of the backdoor numbers a day after I submitted the SM for a CLI and spoke to a credit analyst. The analyst was able to look at it right there and approved my increase. I'd wait a day and call one of the backdoor numbers.

[tonyjones]

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@ltorres25 wrote:

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@Girac wrote:

After reading some of the comments that it was worth it to request a CLI, I went ahead and requested a CLI only to receive, We will call you on 7 days.

What are the chances they will give me an increase?

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I called one of the backdoor numbers a day after I submitted the SM for a CLI and spoke to a credit analyst. The analyst was able to look at it right there and approved my increase. I'd wait a day and call one of the backdoor numbers.

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Call RECON NOW!

[Girac]

Well I called Chase's backdoor number and talked to a credit analyst and after going over some things they were unable to provide a CLI at this time, reason being some delinquencies dating back in 2010 and a high balance on my Amex, which has since been paid down.

I don't see a reason to keep this card or give Chase my business, I am going to cancel this card. My overall util is under 20% so closing this account shouldn't really affect me any.

[uswala]

Chase had been really notorious with me as well. Freedom was my first card from a Prime Lender and second overall.

Was approved at $1000. At 6 months asked a CLI, got $300 CLI with a HP. Another 6 month and I ask another CLI, another HP and another $300 bump. Yet another 6 months, I ask CLI, another HP and a $400 bump. After that they have been refusing me any further CLI. I have tried their underwriting department, their EO but no luck. Though I am preapproved for CSP and Slate for ages now.

[indiolatino61]

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@Anonymous wrote:

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

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If you are at maximum exposure, why did they feel the need to HP you? "Maximum Exposure" should mean just that...no more available credit, so no HP should have been necessary. Makes no sense...sorry for the decline.

[Anonymous]

Chase has been really good about auto-cliing me. I think I have had them for about 3 years and received 3 auto- or opt-in CLIs. I'd give them another couple months and try again. 

[Anonymous]

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@Girac wrote:

Well I called Chase's backdoor number and talked to a credit analyst and after going over some things they were unable to provide a CLI at this time, reason being some delinquencies dating back in 2010 and a high balance on my Amex, which has since been paid down.

I don't see a reason to keep this card or give Chase my business, I am going to cancel this card. My overall util is under 20% so closing this account shouldn't really affect me any.

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If you didn't already cancel it, I would call the executive office to recon. The number is 888-622-7547.

[Anonymous]

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@ltorres25 wrote:

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@CreditCuriousity wrote:

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

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I'm in Massachusetts and they pulled Experian

Hoping NH is the same way in December.

[tonyjones]

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@Girac wrote:

Well I called Chase's backdoor number and talked to a credit analyst and after going over some things they were unable to provide a CLI at this time, reason being some delinquencies dating back in 2010 and a high balance on my Amex, which has since been paid down.

I don't see a reason to keep this card or give Chase my business, I am going to cancel this card. My overall util is under 20% so closing this account shouldn't really affect me any.

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The deliquency dating back to 2010 is just an excuse they have to give, the primary reason is the high balance on AMEX, they are super sensitive to high balances reporting and too many balances reporting. I had about 10 deliquencies and judgement reporting and yet they approved me for Chase Amazon Visa with $500 SL, 7 months later I recon'd CLI to $2500.