@SwiftTone wrote:I spoke to Marie at the Chase executive office regarding a CLI on SP. She told me that at the executive office, they can do a SP for CLIs. Looked in the next day and saw my CL is now at $4000, up from $750. Wahooo!
Anyways, still interested to know why CCCs even do HP when they can already see everyone with a SP
Because the system was design to equate a HP with seeking new credit and to let all other lenders know that. A CLI increase is granting new credit, as a result it arguably should be a HP each and every time. Looking at it objectively, I don't understand why some institutions do it as a SP at all though I'm all for anything that benefits us as a consumer which this clearly does.
