How to get Chase Freedom CLI?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
6 posts
VisaSpeak
Platinum Member
Platinum Member
 
Posts: 81
Joined: Wed Dec 26, 2012 3:22 pm
Location: NJ

How to get Chase Freedom CLI?

Postby VisaSpeak » Sun Feb 16, 2014 11:03 am

I applied and was approved for a limit of $5,000...

Thing is, I already have a Citi card with that same limit, so I was hoping Chase would give me a higher limit.

Do I just call and request?


MrMosby
Centurion Member
Centurion Member
 
Posts: 211
Joined: Thu Mar 15, 2012 10:08 pm
Location: Ohio

Postby MrMosby » Sun Feb 16, 2014 12:09 pm

I'd wait 6 months from when you received the card and have used it regularly with good payment practices.
Everyday Preferred $45K | Amex Platinum NPSL | Citi Hilton HHonors Reserve $45K | Delta Platinum $30K | Chase Sapphire Preferred $64K | Citi Hilton HHonors $45K | Discover IT $25K

CC Deville
Centurion Member
Centurion Member
 
Posts: 1075
Joined: Thu Aug 04, 2011 7:07 pm
Location: Phoenix

Postby CC Deville » Sun Feb 16, 2014 12:56 pm

Chase is one of the banks (Discover being another) that are notorious for giving an auto CLI within the first year of cardmembership. Use the cr@p out of it, pay on time and you should receive a CLI.

I opened mine 11/2010 and received a $3,000 auto CLI in 8/2011. It is different for everybody but I would suggest letting them do an auto CLI first. All cardholder initiated credit line increases will result in another hard inquiry and there is not guarantee that you will approved. I cannot speak for Chase, but most banks require at least 4 to 6 months of usage to approve a CLI.

jdauria
Platinum Member
Platinum Member
 
Posts: 51
Joined: Thu Dec 13, 2012 7:52 am
Location: Arlington

Postby jdauria » Wed Mar 26, 2014 8:47 am

CC Deville wrote:Chase is one of the banks (Discover being another) that are notorious for giving an auto CLI within the first year of cardmembership. Use the cr@p out of it, pay on time and you should receive a CLI.


Really because I have had my Chase Freedom Card for 1.5 yrs and haven't received a auto-CLI? I am stuck on $800 credit limit which is a joke because I have excellent credit, and pay all my balances on time.
[font=Times New Roman][size=80]American Express Green[color=green] [NPSL][/color]
American Express Blue Cash Preferred
Chase Freedom

Future:
American Express Premier Rewards Gold[/size][/font]

takeshi
Centurion Member
Centurion Member
 
Posts: 1733
Joined: Wed Jun 05, 2013 3:12 pm
Location: US

Postby takeshi » Thu Mar 27, 2014 8:54 am

VisaSpeak wrote:Do I just call and request?

You can always call and ask. Whether your credit versus their criteria leads to a CLI is an entirely different matter and you'd have to call and ask to find out anyway.

jdauria wrote:Really because I have had my Chase Freedom Card for 1.5 yrs and haven't received a auto-CLI? I am stuck on $800 credit limit which is a joke because I have excellent credit, and pay all my balances on time.

Again, depends on credit (i.e. YMMV) so always consider that when reading such broad, sweeping generalizations. If they're not willing to increase your limit then there's something they don't like about your credit even if you think it's excellent.

I've never received a Chase CLI but I know I'm at my internal limit with them. My wife, on the other hand, has received several CLI's from them.

Dylan1982
Centurion Member
Centurion Member
 
Posts: 323
Joined: Tue Mar 06, 2012 12:15 am
Location: Chicago

Postby Dylan1982 » Sat Mar 29, 2014 9:52 am

I have had my Freedom card for jsut over a year now. I started with a CL of $5k.


I use this card EVERYDAY for ALL OF MY PURCHASES. Yes, you can say I use the crap out of my card. 6 months into member ship with this card (paying my bill off in full every statement) I called cahse and got a CLI of $3k - new CL of $8k.


As mentioned earlier, I am just over my 1 yr mark and Chase as not given me an auto CLI.... I was thinking of calling them next week to see if I can up my CL...
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)



Return to “Visa & MasterCard”

Who is online

Users browsing this forum: No registered users and 2 guests