CLI

[aristocrat]

Hey guys hope you can give me advice...

 

Chase freedom with 5k limit opened september last year...for the first 6 months or so I paid off full balance each month. I believe I applied for an CLI in January and was denied. Highest balance was 4600 this past month and paid off full today.

 

Amex Delta sky miles opened last november with 3k limit. Highest limit was again this last month at 2600 and paid off in full today. Carried a balance the last few month in the 1k range and made 5-600 payments

 

What should I do to get an increase on these cards? How much should I ask for and who to speak with. My mistake on the chase increase was I think I asked for increase to 15k.

 

Thanks Guys!

 

I have score of about 705 on myfico. Freecredit says 724.

[tomforr]

On Amex go for $9k, 3X the limit

[aristocrat]

Boom goes the dynamite...I actually didn't even have to call in to amex. They have the credit increase option on my account page. Asked me what I wanted my limit to be...9k and my income. 5 seconds later it was approved!

 

Now I need Chase to do the same thing.

 

Question, did Amex do a hard pull on my report for this? They didn't ask if they were allowed to so I'm assuming no.

[Alexa530]

AMEX is a soft pull for CLI requests. You can ask for one every 6 months. Chase is pretty much ALWAYS a hard pull. They sometimes give auto increases at 6-12 months, but it varies as some people get auto increases some don't. If you request it, you can count on a hard pull.