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I got the Chase Freedom some months ago, opened on 3/7/13. My impression from reading mFF was that CLIs are a HP with Chase, and after a year. So I had planned to wait till then. Yesterday, however, they auto-CLIed me from 1000 to 1500. Now I'm wondering...
1. Should I call them and try to piggyback on whatever info (SP?) they used to determine this CLI they gave me, and request a higher CL based on it? I won't accept a HP, and I'll make that clear if I call.
2. If I should call, which number should I use - the exec office at 7547, or the recon at 0625?
3. Does this auto-CLI mean I'll need to wait another year from now (instead of from my open date) to request next CLI from Chase?
4. Or, should I be content with the little bump and just chill? I'm thinking, if I'm gonna act, there is probably a short window to do so.
I've been in the garden since3/24, and plan to app near beginning of October for Amex Hilton HHonors, Sallie Mae World MC, and a Lowe's card - but I want higher limits! My current CLs are in my sig, minus the Chase change. Any thoughts on this? Thanks in advance.
@primechicken wrote:I got the Chase Freedom some months ago, opened on 3/7/13. My impression from reading mFF was that CLIs are a HP with Chase, and after a year. So I had planned to wait till then. Yesterday, however, they auto-CLIed me from 1000 to 1500. Now I'm wondering...
1. Should I call them and try to piggyback on whatever info (SP?) they used to determine this CLI they gave me, and request a higher CL based on it? I won't accept a HP, and I'll make that clear if I call. Chase will not increase a credit line based on a soft pull they did for an account review. Very few have been able to achieve a Soft Pull increase (even going through the Executive Office)
2. If I should call, which number should I use - the exec office at 7547, or the recon at 0625? I wouldn't bother the Executive Office for credit limit increases unless something doesn't go as planned.
3. Does this auto-CLI mean I'll need to wait another year from now (instead of from my open date) to request next CLI from Chase? Chase allows you to submit a CLI request whenever you would like. They don't have a 3 month, 6 month or 12 month rule. The only requirement is that you accept a Hard Pull. So in theory if you wanted a CLI every 2 months and don't mind the hard pulls you can do so.
4. Or, should I be content with the little bump and just chill? I'm thinking, if I'm gonna act, there is probably a short window to do so. This is difficult to answer without a brief view of your credit. For example, how many inqs do you have, AAoA, Dates of Inqs, New accounts, etc.
I've been in the garden since3/24, and plan to app near beginning of October for Amex Hilton HHonors, Sallie Mae World MC, and a Lowe's card - but I want higher limits! My current CLs are in my sig, minus the Chase change. Any thoughts on this? Thanks in advance.
I answered the questions in bold. If you post some other info I'm sure we can recommend a path