Whatamuji wrote:However I have no experience getting an increase from Chase, so I was wondering what other's experiences may be in this regard.
Experience doesn't really matter. The experiences of others aren't necessarily relevant unless their credit profiles and income are similar enough to your own. I've never received a CLI but I've bumped into my internal limit. My wife, on the other hand, has received several auto CLI's.
We can speculate and speculate but the only way to find out if you'll get a CLI is to request it.
Whatamuji wrote:I do have a large utilization on the Chase account I want an increase on (around 50% utilization).
Get that down. Revolving utilization has a significant impact. 30% is a suggested max. Optimal is much lower.
Also, you need to consider your entire credit profile -- not just your Chase accounts.
Whatamuji wrote:How long would be the minimum amount of gardening I should do to get a good CLI? 6 months?
There's no such simple and direct relationship. CLI's are not simply handed out in exchange for time. X months will not guarantee a CLI. Your credit and income will determine what you qualify for. That's why you need to get your revolving utilization down.