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

[Anonymous]

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@Girac wrote:

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.

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Congrats on your recent approval!!! Maybe you should wait a little while since you just app'd for the Cap 1 Venture. Allow that account to age some. Maybe try to increase, as close to 20K as possible, your higher limit credit cards first. From my experience and posts I've read on this forum, Chase seems to be a little sensitive. Cap 1 doesn't seem to mind taking risks. Have you been using your Freedom credit card?

[Anonymous]

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@lg8302ch 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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EX and EQ for me...constant double pulls for anything

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Me too! It sucks!!! That's why I won't request a CLI on my Slate.

[Anonymous]

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@SecretAzure wrote:

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@lg8302ch 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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EX and EQ for me...constant double pulls for anything

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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.

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I'm in Florida too. They pulled both EXP and EQU. Check your reports again. A lot of the posts I read stated pulling 2 credit reports when app'ing.

[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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Chase is very picky! You may have had a different outcome after letting the Amex $0 balance report. I have a truck loan with delinquencies as recent as 2013 and 2012. When I app'd my SL was 2K. IMHO, I think it may have been the high balance on your Amex that was still being reported. Good luck!!!

[Anonymous]

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@tonyjones wrote:

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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.

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I agree.

[Anonymous]

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@uswala wrote:

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.

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Congrats on your CLIs and pre-approvals!!!

[SecretAzure]

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@beautifulblaquepearl wrote:

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@SecretAzure wrote:

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@lg8302ch 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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EX and EQ for me...constant double pulls for anything

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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.

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I'm in Florida too. They pulled both EXP and EQU. Check your reports again. A lot of the posts I read stated pulling 2 credit reports when app'ing.

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I did, FICO only shows the HP they did on EQ. 

May I ask why you respond to every post in a thread seperately but at one time? It seems odd that when a thread stops getting responded to that you go and respond to it 6 or so times. Just curious lol.

[Imperfectfuture]

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@ltorres25 wrote:

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.

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I was told it would be a soft pull, but turned out to be hard pull.  If I had known, I would have gone for 5k.  As it was, it's worth it, went from 2.5 to 4k.

[Imperfectfuture]

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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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WA state, TU.

[Girac]

For me it was Experian. I am in MN.