chase cli request

[ibebarrett]

Hey I know chase auto CLIs are completely random, but I'm curious if anyone has ever requested a CLI without a HP. I was instantly approved for $2800, and due to some major unexpected expenses I have been spending around $3k/statement but PIF, is there a department that would possibly look at account history and approve a CLI or not at all?

Also, I've heard chase will report midcycle, is that if you reach a 0 total balance, or $0 statement balance?

[FinStar]

All customer-initiated requests for a CLI are HP. Auto-CLIs and targeted pre-approved CLIs are the only ones that would be based off SP.

Chase will report to the CRAs anytime a balance is reduced to $0.

[ibebarrett]

coolbeans, thanks!

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@FinStar wrote:
All customer-initiated requests for a CLI are HP. Auto-CLIs and targeted pre-approved CLIs are the only ones that would be based off SP.

Chase will report to the CRAs anytime a balance is reduced to $0.

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[AllCredit]

I concur with the above, but I remember when I got my first Chase card (Amazon Prime Visa) the banker told me to PIF for 6mths...I did this (which I was going to do anyway) but right at 6mths I got an auto CLI, 2mths later I got in-branch pre-approvals for almost all cards including the CSR, which I immediately pulled the trigger on. 

[ibebarrett]

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@AllCredit wrote:

I concur with the above, but I remember when I got my first Chase card (Amazon Prime Visa) the banker told me to PIF for 6mths...I did this (which I was going to do anyway) but right at 6mths I got an auto CLI, 2mths later I got in-branch pre-approvals for almost all cards including the CSR, which I immediately pulled the trigger on. 

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Oh wow! good to know! long term i want the ink unlimited and CSP!