Chase Freedom: I've Never Received An Automatic CLI...

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RewardHop
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Postby RewardHop » Sat May 24, 2014 5:19 pm

Dylan1982 wrote:I guess you missed the part where I said Chase sent me an email (invitation) stating I was eligable for a CLI.

All I did was verify my income and put in how much of an increase I wanted and that's it, instant CLI

There was no HP unless I wanted my CL above $14k


I read that part but I didn't realize that still didn't require a HP. Thanks for clarifying.
[size=60]
Amex BCE: 3% grocery, 2% gas
Bank of America Better Balance Rewards MC: $25/quarter bonus
Barclaycard Rewards Visa Signature: 2% gas, groceries, utilities
Capital One Quicksilver Visa Signature: 1.5% everything
Chase Freedom Visa Signature: 5% rotating
Citi Forward Visa: 5% restaurants/fastfood, movie theaters, amazon.com
Discover It: 5% rotating
SallieMae MC: 5% Groceries, Gas, Amazon
US Bank Cash+ Visa Signature: 5% electronic stores, restaurants
Sock Drawered: Chase Sapphire, Chase Amazon[/size]


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CarefulBuilder14
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Postby CarefulBuilder14 » Mon Jun 02, 2014 5:43 pm

My (totally failed) attempt to get a soft-pull CLI today on my Chase Freedom...

I was in the local Chase branch to make a deposit, and met in person with one of the general customer service representatives. I thought that getting a limit increase might be easy if I went there in person, given that I've had a checking account there for a while.

I said I wanted to get a limit increase on my card, and the branch CSR immediately called a central Chase office. After showing my driving license, verifying my SSN, and so forth, the central Chase CSR said she could put in a request for a CLI. I asked if it would require a hard pull or a soft pull, and she said it would be a hard pull. I asked how many credit bureaus they would check, or if I could pick them, and she couldn't tell me how many or which credit bureaus they would check with.

I said I thought it was kind of ridiculous. I pointed out that I had been a checking customer there for nine years. I had recently been keeping $12k-$15k in the checking account, and had made timely payments in full every week on the credit card since I opened it seven months ago. I was typically putting $1000 per month on the card, so having a $600 limit was just inconvenient. I mentioned that I had recently opened a Discover and an Amex, and that a hard pull on TransUnion would be okay, but that I didn't want the possibility of three hard pulls.

Now, if I was trying to take a $5k limit up to $20k, then of course at least one hard pull would have been reasonable. But to take a $600 limit up to, say, $2k for a customer who keeps 20X+ his current credit limit in checking at their own bank? Can't they at least tell me how many different credit reports they'll need to pull? It just seems ridiculous!
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card, Delta Gold, Aviator Red, BofA Travel

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CarefulBuilder14
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Postby CarefulBuilder14 » Sun Jul 06, 2014 11:07 am

I just applied over the phone for a Freedom CLI. I asked for a new limit of $3,000 (up from $600) and the CSR said they will get back to me in 7-10 business days.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card, Delta Gold, Aviator Red, BofA Travel

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CarefulBuilder14
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Postby CarefulBuilder14 » Mon Jul 07, 2014 8:53 am

I got a new limit of $2,000. They pulled TU and EXP.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card, Delta Gold, Aviator Red, BofA Travel

MemberSince99
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Postby MemberSince99 » Thu Jul 10, 2014 4:37 pm

When I requested a CLI, they also pulled 2 bureaus (EX and TU also). They flat out declined me. As a result, I'll never request another CLI from Chase. But then again it's not like I use the hell out of the card either. Yes I have my checking with them and I keep a nice balance in it, but I put most of my spending on my Amex and only put on the Freedom what I can't pay with Amex, so I'm cool if they leave the limit where it is forever basically - I don't care. I can't complain it's a nice limit, honestly.

supercoolman
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Postby supercoolman » Fri Jul 11, 2014 12:04 am

The only time I got auto CLI from CHASE was when I maxed out the CLI by purchasing. I did car down payment, medical, groceries... all in one month. I swiped my card without knowing it would go over my CLI by 1K. the transaction went through and I didn't suspect a thing. I checked online banking after I got back home and saw my CL was auto CLIed by 3K with only 2K left because my spending went over original limit by 1K.

of course, I wouldn't recommend anyone to go this route. I think I was just lucky. no pull and no harm was done on my CR



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