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should I request CHASE CLI?

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Jayb5635
Established Contributor
‎03-20-2014 03:06 PM
‎03-20-2014 03:06 PM

Re: should I request CHASE CLI?

I keep debating whether I should seek a cli on my freedom and/or sapphire preferred. Decisions, decisions lol








In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $15,000, Amex Starwood $10,000, Chase Freedom Visa Signature $10,000, Chase Sapphire Preferred Visa Signature $15,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $10,000, Cap One Quicksilver MasterCard $6000, Citi Prestige World Elite MasterCard $10,000, Citi Forward Visa $6900, Citi Premier World Elite MasterCard $5,800, Discover IT $8500
Message 11 of 17
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enharu
Super Contributor
‎03-20-2014 03:11 PM
‎03-20-2014 03:11 PM

Re: should I request CHASE CLI?

@Jayb5635 wrote:
I keep debating whether I should seek a cli on my freedom and/or sapphire preferred. Decisions, decisions lol

do it for just 1 card.

ask for as much as you think is reasonable.

once you are done with the CLI request, call to have the CLs reallocated. Basically you got 2 CLIs for 1 HP, since all Chase cares about is total exposure.

Problem solved.

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 12 of 17
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Jayb5635
Established Contributor
‎03-25-2014 08:01 AM
‎03-25-2014 08:01 AM

Re: should I request CHASE CLI?

That makes sense and is a good idea.  I definitely use my CSP a lot regularly whereas the Freedom only during certain bonus quarters as I am sure is the case for many here.  It really just comes down to taking another inquiry.  I just got one yesterday on experian while getting approved for  a new Amex









In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $15,000, Amex Starwood $10,000, Chase Freedom Visa Signature $10,000, Chase Sapphire Preferred Visa Signature $15,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $10,000, Cap One Quicksilver MasterCard $6000, Citi Prestige World Elite MasterCard $10,000, Citi Forward Visa $6900, Citi Premier World Elite MasterCard $5,800, Discover IT $8500
Message 13 of 17
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BigBS
Senior Contributor
‎03-25-2014 08:38 AM
‎03-25-2014 08:38 AM

Re: should I request CHASE CLI?

I'm in the same boat.  Have had my freedom for almost 3 years and until recently had no movement on my CL.  Of all my non-store cards is has the lowest CL.  Until joining this forum didn't understand the process, but now I do.  Not sure the HP is worth the increase or no increase, so will probably just use it minimally except when the bonus includes gas.

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 14 of 17
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Jayb5635
Established Contributor
‎03-25-2014 10:41 AM
‎03-25-2014 10:41 AM

Re: should I request CHASE CLI?

Yeah, I just don't know if the hard pull is worth it. I do want the cli, especially on the freedom, but I keep going back and forth on it lol








In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $15,000, Amex Starwood $10,000, Chase Freedom Visa Signature $10,000, Chase Sapphire Preferred Visa Signature $15,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $10,000, Cap One Quicksilver MasterCard $6000, Citi Prestige World Elite MasterCard $10,000, Citi Forward Visa $6900, Citi Premier World Elite MasterCard $5,800, Discover IT $8500
Message 15 of 17
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Anonymous
Not applicable
‎03-25-2014 10:46 AM
‎03-25-2014 10:46 AM

Re: should I request CHASE CLI?

@Jayb5635 wrote:
Yeah, I just don't know if the hard pull is worth it. I do want the cli, especially on the freedom, but I keep going back and forth on it lol

Your best bet to get your limit increased on your Freedom is to open a Slate account and then transfer most of the line to the Freedom. That's probably the easiest way to do it with chase.

Message 16 of 17
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Jayb5635
Established Contributor
‎03-25-2014 10:49 AM
‎03-25-2014 10:49 AM

Re: should I request CHASE CLI?

Yeah I've read that as well but I don't really wanna open another account with Chase. Honestly, I was ok with getting the Amex Everyday Preferred since it would be backdated to March 2012, so instant 2 yrs of history off the bat








In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $15,000, Amex Starwood $10,000, Chase Freedom Visa Signature $10,000, Chase Sapphire Preferred Visa Signature $15,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $10,000, Cap One Quicksilver MasterCard $6000, Citi Prestige World Elite MasterCard $10,000, Citi Forward Visa $6900, Citi Premier World Elite MasterCard $5,800, Discover IT $8500
Message 17 of 17
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