Love Chase (Freedom) - Automatic CLI

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Dylan1982
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Love Chase (Freedom) - Automatic CLI

Postby Dylan1982 » Sun Mar 01, 2015 12:39 am

With in the last 10 days, Chase decided to give me an auto CLI of $2,500 on my Freedom card. Didn't even ask. I found out just now by looking at my acct on line.


I am now at $12,500 CL on my Freedom card.


When I first got the card in 2/2013, I started out at a CL of $5k, right at my 2 year mark, I am now at $12.5k :cool: :cool: :cool:

I LOVE Chase!
Chase Freedom - $12,500 (2/2013)
GM Card - $7,700 (7/2002)
CitiBank (Thank You Preferred) - $6,400 (6/2012)
CitiBank (Diamond Preferred) - $4,600 (6/2012)
Rogers & Hollands - $3,300 (3/2006)
Target REDcard - $3,000 (11/2014)
BestBuy - $1,600 (9/2003)
Discount Tires - $1,000 (2/2004)
Kohl's - $300 (4/2012)


CC Deville
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Postby CC Deville » Sun Mar 01, 2015 10:07 am

Congrats. Wasn't it you that was wondering why you had not received an auto CLI about a year ago?

Was this a straight up CLI or did you get an email inviting you to update your income to see if you qualified? My Chase cards have not been increased since 9/2007 and 8/2011, respectfully. Of course, I rarely use them. I am loving the 5% back on groceries though; I hope that is repeated again in 2016.

JonE
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Postby JonE » Sun Mar 01, 2015 3:40 pm

Chase is tricky, either they're real stingy with CLIs or they give them out like nothing. Do you have a banking relationship with Chase? (I do, wondering if that helps).
Current Cards: Chase Freedom, Discover IT
Future: TBD

Dylan1982
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Postby Dylan1982 » Sun Mar 01, 2015 6:55 pm

CC Deville wrote:Congrats. Wasn't it you that was wondering why you had not received an auto CLI about a year ago?

Was this a straight up CLI or did you get an email inviting you to update your income to see if you qualified? My Chase cards have not been increased since 9/2007 and 8/2011, respectfully. Of course, I rarely use them. I am loving the 5% back on groceries though; I hope that is repeated again in 2016.

Yes that was me asking about auto CLI's.....


This was a straight up AUTO CLI from Chase.. Last year in May 2014, I got the email for the invitation of the CLI and got $2k.


And then the auto CLI (2/2015) was $2.5k. Since having Chase (2/2013), I've had 3 CLI.


I also use my Freedom car for EVERY purchase and the bill gets PIF at the end of each month. Trust me, this card gets a workout lol..
Chase Freedom - $12,500 (2/2013)
GM Card - $7,700 (7/2002)
CitiBank (Thank You Preferred) - $6,400 (6/2012)
CitiBank (Diamond Preferred) - $4,600 (6/2012)
Rogers & Hollands - $3,300 (3/2006)
Target REDcard - $3,000 (11/2014)
BestBuy - $1,600 (9/2003)
Discount Tires - $1,000 (2/2004)
Kohl's - $300 (4/2012)

Dylan1982
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Postby Dylan1982 » Sun Mar 01, 2015 6:56 pm

JonE wrote:Chase is tricky, either they're real stingy with CLIs or they give them out like nothing. Do you have a banking relationship with Chase? (I do, wondering if that helps).

Yes I do. I have my checking acct, savings acct and Freedom CC all through Chase.


Like you said, I am sure that helps.
Chase Freedom - $12,500 (2/2013)
GM Card - $7,700 (7/2002)
CitiBank (Thank You Preferred) - $6,400 (6/2012)
CitiBank (Diamond Preferred) - $4,600 (6/2012)
Rogers & Hollands - $3,300 (3/2006)
Target REDcard - $3,000 (11/2014)
BestBuy - $1,600 (9/2003)
Discount Tires - $1,000 (2/2004)
Kohl's - $300 (4/2012)

popamode72
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Postby popamode72 » Sun Mar 01, 2015 8:52 pm

JonE wrote:Chase is tricky, either they're real stingy with CLIs or they give them out like nothing. Do you have a banking relationship with Chase? (I do, wondering if that helps).


I also find that it's much easier to just app for a new card from them and move the limit over to a current Chase card. That's what I like so much about them. Easy CL consolidations with no HP required. I've heard of a few folks getting auto CLIs but those tend to be rare.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

Battery111
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Postby Battery111 » Sun Mar 01, 2015 9:12 pm

popamode72 wrote:I also find that it's much easier to just app for a new card from them and move the limit over to a current Chase card. That's what I like so much about them. Easy CL consolidations with no HP required. I've heard of a few folks getting auto CLIs but those tend to be rare.


Well it's still a HP. Whether you take the HP for a new TL or for a CLI it's still a HP. And actually taking an HP for a strict CLI would actually be preferable to one for a new account unless the new account is actually beneficial to you, since a new account has both an HP and a decrease in AAoA.
Citi AAdvantage Executive World Elite MasterCard
AMEX Platinum
AMEX Everyday Preferred
USAA AMEX
Discover IT
Chase Freedom
Chase Sapphire Preferred
NFCU nRewards Visa

popamode72
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Postby popamode72 » Sun Mar 01, 2015 10:25 pm

Battery111 wrote:Well it's still a HP. Whether you take the HP for a new TL or for a CLI it's still a HP. And actually taking an HP for a strict CLI would actually be preferable to one for a new account unless the new account is actually beneficial to you, since a new account has both an HP and a decrease in AAoA.


I can see where you're coming from. All the accounts I've applied for with Chase have had some benefit to me in some way though, whether it be some really good sign up bonus on the Ritz and airline reimbursements too on that card, the kind of rewards I get from restaurants and gas alone on the AARP, the chance to start racking up UR points with the CSP and later on getting the Freedom and racking up even more UR points through that.

Even the card I initially got as a way to get my foot in the door with Chase had some benefit in the fact that I got over 25,000 Southwest Airlines miles from it that even after closing the card I can still use in the future if I wanna go on some kind of flight somewhere through Airtran or something.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

takeshi
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Postby takeshi » Mon Mar 02, 2015 9:01 am

Neither my wife nor I have any banking accounts with Chase. She gets auto CLI'ed. I do not. It's doubtful that it's all about one single factor like that.

LessIsMore
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Postby LessIsMore » Tue Mar 03, 2015 3:12 am

takeshi wrote:Neither my wife nor I have any banking accounts with Chase. She gets auto CLI'ed. I do not. It's doubtful that it's all about one single factor like that.


I agree. I don't have a Chase bank account but have 3 of their cards (Slate, Freedom, & co-branded Amazon.com). I got the Chase cards about a year ago. The CL of both Slate & Freedom cards have remained static. But right around the Christmas season, I went to my online account and noticed that my Amazon.com VISA CL was auto-bumped up by $1,000. No notice of this by mail or email, just bumped up. Then, last week out-of-the-blue, I got a "Congratulations!" email telling me about the 2-month-old bump. As if I didn't already know (???).

I remember years ago that getting holiday-season auto-CLIs was not uncommon. Not so much anymore. Nowadays, it seems that the rationale behind auto-CLIs resides somewhere in the realm of voodoo (grin).
"People with a clever plan can assume the role of the mighty."
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