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chase cli request

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Regular Contributor

chase cli request

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?

FICO 8. EQ - 669. EX - 696. TU - 694
FICO 9. EQ - 689. EX - 689. TU - 715

Capital One Quicksilver - $1950 || Care Credit - $12000 || Costco Citi - $5500 || Redstone FCU Secured - $350 || Chase FU - $6600 || Discover - $1600
AMEX Amazon Business - $5500 || Chase Ink Unlimited - $3000
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Moderator

Re: chase cli request

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.
Message 2 of 5
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Regular Contributor

Re: chase cli request

coolbeans, thanks!


@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.

 

FICO 8. EQ - 669. EX - 696. TU - 694
FICO 9. EQ - 689. EX - 689. TU - 715

Capital One Quicksilver - $1950 || Care Credit - $12000 || Costco Citi - $5500 || Redstone FCU Secured - $350 || Chase FU - $6600 || Discover - $1600
AMEX Amazon Business - $5500 || Chase Ink Unlimited - $3000
Message 3 of 5
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Frequent Contributor

Re: chase cli request

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. 

Message 4 of 5
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Regular Contributor

Re: chase cli request


@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. 


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

FICO 8. EQ - 669. EX - 696. TU - 694
FICO 9. EQ - 689. EX - 689. TU - 715

Capital One Quicksilver - $1950 || Care Credit - $12000 || Costco Citi - $5500 || Redstone FCU Secured - $350 || Chase FU - $6600 || Discover - $1600
AMEX Amazon Business - $5500 || Chase Ink Unlimited - $3000
Message 5 of 5
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