chase cli decline

[Anonymous]

So, today i decided to take a chance and call chase to get in increase on my chase six flags account---It was orignally opened at 500$------Its 2800 now, Ive had it for 4 years....I havent has an increase in several months....

I made sure to inform the CSR------I want to speak with someone they can talk to me about CLI--He says he would be able to help me with that----So i say i would like one but only if you DO NOT  do a  hard pull ----He says yes this will only be a soft pull not a hard pull, it will not affect your credit score---So hopefully he wasent lying to me....

Anyways, after all that I was denied----i asked  to go up to 3,500 form 2800 maybe that was to much---but possibly the recent collection accoun that ws put on my credit file in July08---Anyways Ill see when they send me the letter...

And I really hope they didnt do a hard pull------

[MidnightVoice]

Every time I have talked to Chase they have told me that they do a hard pull for customer initiated CLIs.

I hope the CSR knew what he was saying

[Anonymous]

In this credit market, a recent collection was more than enough to get them to say no.  I would be more concerned that they don't CLD due to the collection now.

[Anonymous]

how soon is to soon,,,when it comes to a recent collection----if im able to get that collection removed---I have another collection (from same surgery) that is listed as Jan08

[Anonymous]

I have never heard of Chase not doing a hard pull for a customer initiated CLI, but maybe this is a first...

[ficonovice]

I echo the others. Most likely they did a hard pull. I've only had their card for approx. 8 months, but they've gone out of their way to tell me on 3 occasions that any CLI request from me would result in a hard pull....

[heirophant]

Use the backdoor number and ask for an account specialist.  I got denied for a Chase CLI, but then talked to an account specialist and got it.  I basically explained that I have had the card for about 8 months, have had a car loan with Chase for 4 years and have never missed a payment on either and how Chase should be very happy with me as a customer and how I was unhappy with Chase.  I had originally asked for $2000 from $300.  I got $1000, but I was happy.

[Anonymous]

Update----So after being told that they where going to do a soft pull....

I get a alert and checked it--hard pull first usa...

I got an account Supervisor on the line today---After speaking to two CSR that hung up on me after asking to speak to manger---I got manger and asked to speak to Sup---

Anyways she confirmed to me that she would listen to the call from the agent--And said that she would have inq deleted--She also said she would send a confirmation in the mail to me.....

Chase CSR are such liers

[Anonymous]

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@Anonymous wrote:

Chase CSR are such liers

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Wow, that's harsh.  Are you sure the CSR just didn't know what she was doing?  Maybe she was still in training, or new.  

Regardless, good for you for calling them, and continuing to call them, to get thtat inq removed.  Whether the CSR intentionally lied or just didn't know, she told you it would be a soft, so that's what it should be.  

On a side note, a mortgage lender at Chase had no idea that Chase does hard pulls for CLI requests.