Such Thing As "Guaranteed Credit Limit Increases?"

[Anonymous]

Yeah, they are evil but so far they've treated me well over 20+ years banking with them!

The devil right now is that my Chase "Offers" page is empty, but this week I started to get the Trifecta showing up on my CardMatch check -- Freedom, Freedom Unlimited (have it) and Sapphire Preferred.  The last time I got the offer from Chase, CardMatch had a similar match just a few days before they popped up on Chase.

Downside is I don't want the Preferred -- I would use the Reserve rewards for sure and the annual fee is nothing compared to what I could use the rewards/perks towards.  But my highest CL is only $3000 on a secured card, so I doubt I could get the Reserve even if the Preferred shows up as an offer...

Right now I'm hoping to get my new Amex card up to $6000 CL at 61 days, and then I'm more hopeful that Chase will give me the CSR.  My 5/24 is crazy far away though, so I have to sit and wait and just be patient.

[Anonymous]

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@iced wrote:

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My experience has been that Chase only cares what your total exposure with them is, and if they think you have room for $X more in exposure it doesn't matter in the least whether that's via a new card or CLI. Is there evidence showing that if Chase is willing to give you a card with a limit of $20k that they aren't also willing to give you a $20k CLI instead?

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Data points on this forum (and others) shows people getting declined for a Chase HP CLI but the next day they were approved for a 5-digit SL with a new Chase card.  Not just rare data points here, either.  Lots of them all over the place!  You'd think it would all be the same, but who knows how underwriting works.

[iced]

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@Anonymous wrote:

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@iced wrote:

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My experience has been that Chase only cares what your total exposure with them is, and if they think you have room for $X more in exposure it doesn't matter in the least whether that's via a new card or CLI. Is there evidence showing that if Chase is willing to give you a card with a limit of $20k that they aren't also willing to give you a $20k CLI instead?

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Data points on this forum (and others) shows people getting declined for a Chase HP CLI but the next day they were approved for a 5-digit SL with a new Chase card.  Not just rare data points here, either.  Lots of them all over the place!  You'd think it would all be the same, but who knows how underwriting works.

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There must be something else contributing to the denials then. My profile isn't exceptional in any way and I've never had Chase refuse a CLI request. I guess it's up to the OP whether they want to live in fear of the CLI or not, but if it were me I wouldn't want to take the AAoA hit for a new account I knew I wasn't going to use.