Who to ask for a CLI

[williewonka]

I've got two Chase cards that are 10K and 12.5k CL, and Amex that is fairly new (almost no balance) and a C1, also pretty new that has a $6800 BT from about 7 months ago, just using it for the great rate of 0% for another few months. The Chase cards are 4 and 15 years old respectively. I use them for business sometimes, and frequently max them out, but PIF long before due, sometimes I end up having to make multiple payments just to keep enough available credit. Would it be more likely for Chase to give a CLI more in line with the Amex or should I just wait for a auto CLI?

Scores are all great now that I am not listed as a AU on an account that the primary went south. No baddies, all over 720. 

[Anonymous]

With that much history and respectable scores I'm sure Chase will be more than happy to increase your CLs, especially with that usage.

However, it'll cost you a hard inq.

Asking to CLI a brand new Amex is like playing with FR fire.

[williewonka]

I've kinda picked up on that with Amex- I use it mostly for personal stuff and really don't even come close to maxing it out. At best I use up a few thousand and pay it down. I'm a expert at keeping my util fairly low, and it's getting lower every month. I'm well below 20% now, mainly just the C1 card. Thanks for the info.

[williewonka]

Bad part is Chase is hitting my EQ, which if I remember correctly, is the one I have the most Inq's on.