Question about Chase CLI request timeframe

[Anonymous]

Hey guys, so you know how I was finally able to open a CSP and chop it's limit for a FU (since the FU app pulled EX 1 day before the final baddie came off) and they refused to bump either limit up due to the EX negative item (they just looked at the same old report when I initially asked to recon the FU limit).

So... my question is how long do you guys think I should wait before requesting again? If they pull any report now they're all clean and happy, but I was thinking to wait until July before my trip so Chase can see a few months of good payment history before asking again.

Right now with the 5k CSP and 4k FU I'm basically running them each up to 1k then paying to 0 each month.

Any thoughts or suggestions? I'd like to eventually end up with the CSP at least 15k and FU at least 20k down the road.

Thanks in advance!

[myjourney]

Hey U

How long have you had the CSP I'm trying to see how much history?

The baddie being gone will probably lead to another reason not to give the CLI ....you know Chase loves to see history 

I would just wait 6 months because if you had to move limits to increase the card it says to (me) you hit your internal limit 

But that's just my 2 cents worth

[Anonymous]

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@myjourney wrote:

Hey U

How long have you had the CSP I'm trying to see how much history?

The baddie being gone will probably lead to another reason not to give the CLI ....you know Chase loves to see history 

I would just wait 6 months because if you had to move limits to increase the card it says to (me) you hit your internal limit 

But that's just my 2 cents worth

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CSP  was approved last month on the 13th so it's brand new. I applied for the FU 30 seconds after CSP but Chase lost the application somehow, so I reapplied on the 13th after finding that out. 

CSP app pulled TU which was already clean, FU app pulled EX which i didn't realize still showed 1 negative until literally the next day (14th) which was the reason for the denial and need for recon. 

CSP was originally approved for 9k, and I stupidly called in after being told they had no record of an FU app and needed to reapply.

[myjourney]

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@Anonymous wrote:

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@myjourney wrote:

Hey U

How long have you had the CSP I'm trying to see how much history?

The baddie being gone will probably lead to another reason not to give the CLI ....you know Chase loves to see history 

I would just wait 6 months because if you had to move limits to increase the card it says to (me) you hit your internal limit 

But that's just my 2 cents worth

---

CSP  was approved last month on the 13th so it's brand new. I applied for the FU 30 seconds after CSP but Chase lost the application somehow, so I reapplied on the 13th after finding that out. 

CSP app pulled TU which was already clean, FU app pulled EX which i didn't realize still showed 1 negative until literally the next day (14th) which was the reason for the denial and need for recon. 

CSP was originally approved for 9k, and I stupidly called in after being told they had no record of an FU app and needed to reapply.

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Oh ok got you 

My advice chill and show them 6 months of history IMHO you hit the internal limit until you show them more 

[Anonymous]

ooh dang 6 months... well I can do that. Was hoping 3 would be enough lol

[jamesdwi]

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@Anonymous wrote:

Hey guys, so you know how I was finally able to open a CSP and chop it's limit for a FU (since the FU app pulled EX 1 day before the final baddie came off) and they refused to bump either limit up due to the EX negative item (they just looked at the same old report when I initially asked to recon the FU limit).

So... my question is how long do you guys think I should wait before requesting again? If they pull any report now they're all clean and happy, but I was thinking to wait until July before my trip so Chase can see a few months of good payment history before asking again.

Right now with the 5k CSP and 4k FU I'm basically running them each up to 1k then paying to 0 each month.

Any thoughts or suggestions? I'd like to eventually end up with the CSP at least 15k and FU at least 20k down the road.

Thanks in advance!

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with chase the only way to get get a autoCLI is to use the card, hard, spend alot make them understand that your typical spend is not being met, since its a Signature card you will need to exceed your CL every month or at least come close to it.  Since you have two card, move all spending to the CSP and exceed the limit but you do have to PIF anything over your limit each month.  If you go the HP route, you will probably only get a small increase unless they really like you. 

The best way to increase your limits with chase is apply for another card, typically one of the 3rd party card they have better starting limits,  the southwest card was litterally approved for twice the limit of my CSP.  

[takeshi74]

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@jamesdwi wrote:

with chase the only way to get get a autoCLI is to use the card, hard, spend alot make them understand that your typical spend is not being met, since its a Signature card you will need to exceed your CL every month or at least come close to it.

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Be careful relying on the usage meme with any creditor.  My wife has received a number of auto CLI's for Chase and she doesn't come close to using her limit or exceeding it.  Primary considerations are credit profile and income just as they are with any creditor.  Usage will not overrule those considerations.  Cards with little to no usage can see CLI's while cards with heavy usage may not see a CLI.  It is never just about the one account with the creditor but one's entire credit profile.

[Anonymous]

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@takeshi74 wrote:

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@jamesdwi wrote:

with chase the only way to get get a autoCLI is to use the card, hard, spend alot make them understand that your typical spend is not being met, since its a Signature card you will need to exceed your CL every month or at least come close to it.

---

Be careful relying on the usage meme with any creditor.  My wife has received a number of auto CLI's for Chase and she doesn't come close to using her limit or exceeding it.  Primary considerations are credit profile and income just as they are with any creditor.  Usage will not overrule those considerations.  Cards with little to no usage can see CLI's while cards with heavy usage may not see a CLI.  It is never just about the one account with the creditor but one's entire credit profile.

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thanks for sharing that! I had to drop to a lower-tier position last year because I decided to go back to school full time and needed a full time job that wouldn't require after-hours or weekend availability so I am only spending about 3k per month through credit cards so maxing either card out doesn't seem responsibly feasible even with these current lowish limits.