How often does Chase increase your credit limit?

**andy1088** · Apr 27, 12, 7:33 am

Someone I work with as well as some articles I've read online says Chase Freedom is quick to increase credit limits. I've been fully utilizing my card (at least $300-500) and then paying off the entire balance a couple times since I got the card last month.

Have you guys heard of them being quick with credit line increases? I'm hoping so as I like the card and would like a higher balance.

**DavidNY** · Apr 27, 12, 7:44 am

Chase has never increased my credit line, however my line is over 10k so I'm cool with that.

**andy1088** · Apr 27, 12, 1:35 pm

I see. My line is a paltry $500, so I'm stuck paying it off multiple times per billing cycle to accumulate the rewards I want from having the card. Even $1,000 would help me.

**JCarter** · Apr 27, 12, 4:38 pm

Originally Posted by andy1088

I see. My line is a paltry $500, so I'm stuck paying it off multiple times per billing cycle to accumulate the rewards I want from having the card. Even $1,000 would help me.

Call them up and ask them to review your underwriting requirements. You may need to show that you are able to make the payments but your credit line should increase.

**DGenerateKane** · Apr 27, 12, 9:15 pm

Seems like they never will for me. I tried 3 months after opening it, and then 6 months after that, denied both times. But in between that time Discover increased my limit on my More card twice without me asking. They have 6 years of history for one card and 2 years of history of another that they could plainly see were always paid in full and on time, so their denials were complete BS. Side note, after the second denial I applied for the Fidelity AmEx and was approved with a CL 4 times larger than my Freedom CL. So, **** Chase.

**agp** · Apr 28, 12, 5:54 am

My limit is $3500 and have not gotten automatic CL increase. I also called and asked and was denied as well. I just gave up at that point. At what point would I spend over $3500 on grocery or gas per month? Never.

**andy1088** · Apr 28, 12, 7:33 am

I've been using my card to pay bills and stuff to earn the 1% back plus the Chase checking bonus. I called last night explained my dilemma and was denied an increase. She suggested I wait until October which is going to completely suck. I might as well sock drawer the card even with the 5% if I don't spend more than say $300-$500 I won't earn much back. It sucks paying bills on your card and then having to pay off the balance the next day. Whether my limits $500 or $1,000 I'll pay it before interest accrues its just with the delay between payments having such a low limit is tough. This is why I tend to prefer Discover which initially gave me $1,000 and bumped it up to $1,500 a few weeks back. I just like that Chase doesn't make you spend $3,000 to get the 1% back. It's annoying, but I guess I'll deal with it for now. She said I could try calling the financial department Monday, but I might not waste my time.

**Crashem** · Apr 28, 12, 8:34 am

If I remember only hard inquiries for chase

**andy1088** · Apr 30, 12, 7:34 am

So I got in contact with the chase lending office and they increased my limit to $1,500! I am extremely happy now I didn't expect a $1,000 increase this quick! Woo

**ivotedale** · Apr 30, 12, 2:33 pm

Congrats! How did you get them to change their mind?

My limit is $1,000, but seldom do I ever get past 30% of that in a given month; also because it's not my primary card. An increase would help my credit limit to debt ratio however.

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How often does Chase increase your credit limit?