- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
I burned Chase in the past. For a LOT. I requested a CLI on the card and despite two hard pulls it was flat out declined. They cited my prior delinquency.
We all know they aren't big on auto CLIs - it happens but it's not that common. If you burn them, it's a lot less likely would be my guess. Thus I'm not thinking that is likely, nor am I EVER willing to take two hard pulls again to hear sorry no increase you burned us. I want my inquiries to count and have a chance and I'm never wasting them asking Chase again. No bitterness at them here, just that I was dumb enough to try it when I should have known better.
That's what makes me think it won't. I'm not asking, and they aren't likely to give. I've reduced spending on the card to one small recurring monthly payment, which is a total waste of a fee card. If you can't run real spend through it, it's probably not worth it. I'd prefer to focus the spend on lenders who will grow with me. Thus it makes sense to give Barclays and Citi some business and see if I can't get the Arrival up to 15k or so in the next year and the Dividend in the 10k range. Entirely possible so I'd be foolish to put the spend on the CSP when that has very little chance of growing.
As stated I considered a PC to Freedom, but just find I don't have much interest in cards without any growth potential. Just my feeling and my take and what I want as a customer. Everyone has their preferences, those are mine. I'm more focused on building multiple healthy tradelines now than I am on maximizing every single penny of rewards. Call me nuts, but it's still my life to run the way I want to, and that's what I want. I'll worry about maximizing rewards when I have my cards set and built to what I want. And yes, they may give a CLI just over time, but they may not, and given I burned them, if I were a betting man, my money would be on not.