How To Get A HUGE Credit Limit Increase From Chase (SOFT PULL)
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- เผยแพร่เมื่อ 2 เม.ย. 2023
- How To Get A HUGE Credit Limit Increase From Chase (SOFT PULL)
This video is on how to get a huge credit limit increase from Chase with only a soft pull. You'll learn how to get a credit limit increase with Chase, how to potentially triple your Chase credit limit, and learn how to step-by-step request a credit limit increase with Chase on credit cards like the Chase Freedom Unlimited, Chase Freedom Flex, Chase Sapphire Preferred, Chase Sapphire Reserve, and other Chase credit cards.
The best part is that Chase is now only doing soft pulls for credit limit increases, so you can request a credit limit increase and increase your credit limit without a hard pull or harming your credit score. I tested this out myself, and I got a mind-blowing credit limit increase on my Chase Freedom Unlimited. So I hope you guys find value in this video and get a nice credit limit increase as well.
In this video you'll learn:
- Chase credit limit increase
- Chase credit limit increase soft pull
- How to get a credit limit increase with Chase
- How to get a credit limit increase with Chase 2023
- How to get a credit limit increase 2023
- How to get a huge credit limit increase 2023
- How to increase your credit limit
- How to increase your credit card limit
#Chase
#Creditlimit
#Creditlimitincrease
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I just tried it and was approved for my freedom flex that I’ve had for 1 year. Went from $19,400 to $30,000 which is what I asked for! No inquiry on my credit report. Thanks so much!
WOAH! That's a $10,600 increase! Congrats, my friend, and I'm glad I could help! 🥳
Hmu if you’re interested in paying your credit card bills off
Hi congrats on your limit increase I was just curious if they asked you for any proof of income or any documents that they needed to approve you ?
@@brotherrrrthisspiderismagn2472 no they did not I just followed her instructions
How much bill every month 👀
"....use as a tool. Not a debt magnet" Brilliant, t-shirt worthy.
Had to come back and like this video because your tips helped me. I was able to get a credit limit increase on both my Chase preferred and chase freedom flex cards 🙌🏾. Thank you!
That's awesome! Congrats, and thanks for the like! ❤️
This info was extremely helpful. I followed each step and Chase doubled the credit limit on both cards I have with them. Can’t thank you enough! 🎉😊
That's great congrats! 🥳💙
I had the same low $1.9K limit for 2-3 years on my CFU, applied the steps you outlined and called and received a CLI increase instantly after going through the standard income and rent/mortgage questions. My new limit is $3.8K. Hoping to apply for another increase in 5-6 months. Thanks for the video 😊
They doubled your CL congrats! 🥳 Let me know how it goes when you ask for your second one! ❤️
Thank you I just increased my credit limit
I wish Chase would have emailed me that they are doing soft pulls now!
Thanks! I tried this on my Unlimited after having the card for 10 months. I went from $1,000 to $11,400!
This works, thank you for the tips! Got an increase on my CFU to Visa Signature today after having it for nine months.
That's great congrats! 🥳
Thanks Dayana 🙏🏾 makes me want to join the chase family even more now. Good to know. “Chase”
Dayana, I literally called Chase as I was watching your video and I got 18k increase!!!! Just wanted to thank you so much!!!!
Got my freedom unlimited from 8k to 16k due to your video! I appreciate the content! Keep it up!!
Great to hear! Thanks! 🥳💙
I just tried doing it through the app and went from 7,500 to 13500!! Thank you :)
Chase! Thanks for sharing, I appreciate you content.
You're welcome and thank you for watching my friend! 💜
Thank you so much! I tried this on the Chase app and went from $10,500 to $16,200 instantly on my Chase Freedom Unlimited card and $8,600 to $17,500 on my Sapphire Preferred Card.
Great video, recently increased the limit on some of my cards but not my chase, so during this video I went to the app, not available. But when I called, both of my cards got improved significantly. I have excellent credit. (one from 13k to 22k, and the other from 5k to about 11k). knowledge is power!
Wow, they really bumped them up! Congrats, my friend! 🙌🏽💙
They really did, thank you 🤝🙌
I just attempted my first! They have given me automatic increases but only once every 1-2 years. Wish me luck!
This was great! I subscribed right after this working for me. Went from having the OG Freedom $6,000 to $12,000 and the Freedom Unlimited $2,900 to $5,800. I don’t use the unlimited a lot so that’s why it didn’t go up, but otherwise happy both cards got increases. Thank you and look forward to more content!
Wow, that's amazing! Congratulations, and I'm glad the video helped you out! 🙌🏽😊
So I recently applied for the sapphire preferred card and got approved. If you remember from my previous comment I just recently asked for a credit limit increase for my OG freedom and my freedom unlimited. Do you think I’d be able to ask to transfer some of the credit line I have for one or both of my cards to the sapphire preferred? Do you know if it has any affect to my credit score or anything?
Do you ask for both increase at the same time Or separately?
@@zerozone1412 I asked for both at the same time, but I sent one message for each one. I got accepted for my request on one since I used it more on a regular basis and my other one they didn’t give me the full increase, but did give me partial of what I asked. So still got both of them increased. I would have in mind though, which I didn’t when I asked for the increase, is that chase seems to be known to give you half of what your income you make a year is. So if you make $50,000 a year, they’ll only give you $25,000 in lines of credit. So if you are looking to apply for other chase cards I’d consider that. Not saying it is a sure thing, but would definitely watch that as that was my issue when I applied for the chase preferred shortly after doing this increase and actually got denied because of these increases I did. Luckily called the reconsideration line and got the card. Sorry for this being long but short answer yes I did both at the same time. Hope that helps
Great info! Ive had the Amazon Prime card for 1.5 years with no automatic increases. I use the card regularly, never carry a balance and pay on time, and my credit score and income have both increased significantly since first opening the account. Ive seen the "request CL increase" button in the app for the last 6 months but every time i tap on it, I get that message that Im not eligible for an increase at this time. Didnt think to try their website on the computer (d'oh!). So I finally called to request an increase. The CS rep asked about my income, my housing cost, and if I was employed. He also reassured me that the inquiry would not result in a hard pull. I only requested from 2800 to 6000, and was approved instantly. I guess maybe I should have asked for more after watching this haha. But nah, Im just glad I got approved at all 👍
Just requested. Thank you for the video. Very informative.
You got it! 💜
"Chase" Great Video, extremely informative. Thank you so Much Dayana and God Bless.
You're welcome my friend! ❤️
Really nice vid, appreciate the data points like scores, income, history, etc. Congrats on the jump. lol
I'm glad you liked the video, and thank you! 💜
Dear Dayana: After seeing this video a few days ago, I had the courage to follow your advice. I sent a secured e-mail asking if I could get an increase without a hard pull? The response was affirmative, and per your video, requested employment status, income, etc. I responded with my information, and also stated that I had the card for 28 years with no missed payment. The old line was 25.6K. I requested 30.5K. Within 12 hours of receiving my request, I was immediately given 30.2. That's an 18 percent increase--my understanding is that 15% is typical. Thank you for the advice. Keep up the good work!
Wow, this is fantastic news! Soft pulls for existing members should already be the norm imo, but nonetheless happy Chase is finally doing this!
It was about time! 🙌🏽💜
CHASE… this video is so helpful! I was able to get a $5000 credit limit increase after watching this video… not as much as yours was, but it’s something! Hehe amazing content as always! 🎉❤️🥳
That's a huge CL increase! Congratulations and thank you for dropping some love como siempre! 💜💜
Hmu if you’re interested in paying your credit card bills off
Chase! Sent an online message through the app on 04/06 and just saw my credit limit increased today 04/11 , super excited how your video actually helped out! Thank you! 🙏🏽 $2,400 to $8k like I requested
Nice increase congrats! 🥳💙
Hmu if you’re interested in paying your credit card bills off
How long did you have the card
@@Charlesmarcel-ee4ke since 2021
Chase! And... Thanks, that was really helpful! ; )
Glad it was helpful! 💙
Fingers crossed! Just sent my request.
Good luck! 💜
Hi! It does work !!!! I did it last night and they double my limit !!! Thank you !
Yay! You're welcome! 💜
Hmu if you’re interested in paying your credit card bills off
Great content on this one. I didn't hear you mention it, and I might of have missed it. But having a zero balance when you apply might be an important thing to do as well. Did you have a balance when you applied for your increase? How do you think that plays a part in their decision to give people an increase?
Oh snap!!!! I’m going to do this for my Freedom Flex d as I’ve had the same little $2k credit limit for years. Thanks for being the only channel to Hip me to this change👍🏽👍🏽
You go it my friend! Let me know how it goes! 💜
Hmu if you’re interested in paying your credit card bills off
Great tips. Love my Chase cards
Same here! Thanks for dropping by J! 💜
Woww congratulations. It was a very helpful video. Chase 🎉🎉🎉
Glad it was helpful! 😊💜
Had the amex Hilton Honors card since 2019, got approved with a $5,000 line, called last week to see if I can get an increase, since i have been a customer for so long with 2 other Amex cards, they approved an increase to $25,500 which was awesome.
Very cool video thanks for the info and CHASE
Thank you my friend! 💜
Thank you so much! I tried your method and got an $8,500 increase 🤟👍💯
WOAH! Congrats and glad I could help! 🙌🏽💜
Chase.
Great video. Thanks for the info.
Any time! 💜
“Chase.” 😉
Good vid, thx. I just got approved for Slate Edge. I wanted to increase my overall credit limit and decrease my overall usage while building my score. 💯
Congrats on your new card my friend! 🥳
Very helpful! thanks
You're very welcome! 💜
Chase!
Thank you for sharing your knowledge and experience.
My pleasure! 💜
Hmu if you’re interested in paying your credit card bills off
@@lucasscott4585 Thanks but I don’t have any credit card debt 🤸🏾♀️
Good stuff! I knew about this for a little while but haven't requested an increase because I really don't use that card all like that
Btw, you made a small cameo in my latest video 😃
Haha yea I didn't really need a cl increase on my freedom unlimited I just asked for one for the sake of my overall cl and all that good stuff. 😎
Appreciate the love! Keep grinding 1K subs, and monetization is right around the corner! 💜
@@DayanaPlays hahahaha, I'm struggling to get to 500 but I'm going to keep grinding. Thanks for the encouragement 😃
Hmu if you’re interested in paying your credit card bills off
thanks as always went from 7k to 13k you da 🐐
That's amazing! 🙌🏽 Congratulations on your new CL, and thank you haha! 💜
Hmu if you’re interested in paying your credit card bills off
Nice, tripled my limit with a phone call.
Nice! 😎
My favorite kind of video: timely, relevant, and informative. I’m gonna have to try this CHASE credit limit increase procedure in the future. As a follow up, would you consider doing a video on credit limit transfers between CHASE cards? I just did this on my two Freedom cards from CHASE, and it was really helpful towards my long-term credit plans. Please keep posting content like this. I always feel smarter after watching one of your videos. Thanks!
That's so nice of you! Thank you so much and will do! 💜
Hmu if you’re interested in paying your credit card bills off
This work. I did all steps stated and went from 7200 for 1 year and a half and submit message in secured screen and was given 20800 which was what I asked for.Received an email back stating they were working on it. Next day I called and was asked a few questions from underwriting and was given increase instantly. This was a soft pull.
That's so awesome congrats my friend! 🙌🏽😊
Hmu if you’re interested in paying your credit card bills off
*Chase* nice increase!
Thanks! 💜
I was able to call in and spoke with a customer service rep. The process was very quick and easy. They just asked me for my total gross annual income, and monthly housing expense. I was instantly approved for a CLI over the phone, and said I could ask for another CLI in 5-6 Months.
That's great congrats my friend! 😊
Was it a hard pull?
@@MrDIJEN15 nope, it was a soft pull
Congratulations 👏
Thank you! 🩷
Thanks for this video! If I have two chase cards, should I send a secure message for each one or just one?
Gracias por la info! Saludos
De nada! 💜
Chase!
Thanks for sharing. Got my first Chase card in January for my business @25K…will apply for a personal card this June!
Good stuff! What personal card do you plan on getting? 😊
@@DayanaPlays Most likely the Freedom Unlimited or the Sapphire Preferred for a travel focused card.
Hmu if you’re interested in paying your credit card bills off
Just got my Chase freedom unlimited I am going to wait at least 90 days before requesting any credit limit increase. Good advice on how to request an increase. Thank you.
Awesome, I hope you enjoy your new card, and you're welcome! 💙
Hmu if you’re interested in paying your credit card bills off
Chase,, another banger
Thanks Kenny! 💙
13,400 to 22,400 thank you.
Thank you 🙏
You’re welcome! 😊
Chase ! I recently applied for the chase freedom flex like 3 days ago and was approved for $5600 it might not be a lot but it’s a start lol until I reach the 6 months period I’m going after that CLI 🤣🤣🥳
Congratulations on your new card! $5,600 as a starting limit is a lot! 🥳
Hmu if you’re interested in paying your credit card bills off
10mo after this video published, Feb 2024, the tips in the video is accurate! 500 to 5,000 through the app and a follow up phone call. Thanks!
Side note: “Chase”
Also no hard inquiry 👍
‘Chase’. Great 411.
Thank you! 💜
Does the soft pull apply to business cards? because I tried through the app but didn't see the options for an increase for it
I did this the other day for my Chase Slate Edge and was turned down for the increase. What tripped me out is they did a soft pull, but the report was from the end of February. I had a balance on my Freedom card so my score dropped which was their reason for declining the request. However, in March I paid it off, my usage dropped, and my score is now up to 744 on my Fico. Why would they pull a 2 month old report?
chase. thank you for guiding us through the whole process. requesting mine now.
You got it! 💜
Hmu if you’re interested in paying your credit card bills off
CHASE 🙌🏾
💜
Does the 5/24 rule also apply to a credit limit increase from chase? So if I'm over 5/24 I'd be automatically denied for an increase
Chase ! Thank you I keep getting that not now message myself !
Hey, did you try using the other methods?
@@DayanaPlays got declined when I called. I will use the third method one in a couple of months.
I tried it online and it said I was ineligible…I have the Amazon chase card though…I’ll give them a call to see if it helps speaking with a representative. Thank you for your content!
What happened
My credit limit for my CSP card has been $5,800 for 2.5 years now with no bump from Chase. I am going to request for $15,000.
Yea I've never gotten an automatic increase from chase either that's why I requested one. But let me know how your request goes! 😊
@@DayanaPlays I received a counter offer for $12,000. They are sending a letter in the following days confirming my new CL and explaining why they did't increase to the limit requested.
Hmu if you’re interested in paying your credit card bills off
I had the credit 💳 for 3yrs❗I thought 💭 chase would take that into consideration. But lately, I've been hearing the same thing from chase 🤔
Hola 👋. Will all those Chase 5/24 rules apply to this situation?
Chase 🔥🔥🔥🙌🏿
💜💜
Back in 2019 I was utilizing like 90% of two credit cards for several months. When I finally paid them off in full I got a limit decrease and any time I have asked for a limit increase I have gotten denied even tho I now have two cards with a combined limit of 30k .. hopefully messaging them will help
does this apply for their business cards as well? I recently got the ink unlimited business card just wanna know for future references if it will be soft inquiries
How often can you request a CLI ?
Chase!
Hey Dayana, Ive see a lot of your videos and noticed you have a bunch of credit cards lol how do you go about getting so many cards since they are hard pulls every time you get a new card? Do you request to get those inquiries removed or is there some other trick that you wouldn't mind sharing?
Hey, I only have 10 credit cards, most of which I've accumulated during the same time period, so almost all the hard inquiries for each have fallen off my credit report around the same time.
As a reminder, hard inquiries stay on your credit report for 2 years, but they only affect your score for 1 year. So if you, for example, apply for 2 new credit cards in April 2023, both hard inquiries will stop affecting your score on April 2024 and completely fall off your credit report on April 2025.
I hope that makes sense! 😊
@@DayanaPlays ok that does make sense, thanks for the reply!
Also, how many more cards do you think you’ll get before you think you’ll be done getting cards? For example, do you think 10-12 cards is a good number, or 12-15 or ?
@@_ricky_10_24 My current cards cover all my spending categories, so for now I'll stay at 10. However, if I start traveling more, I might apply for a good travel card, and that's it unless they come out with an irresistible new CC haha!
There's no right or wrong number. I have 10 cards that align with my spending habits, so I'm able to use them accordingly.
Maybe all you need is five, because those five cover all YOUR spending categories. It honestly depends on your specific needs/spending. 😊
Thanks for ur tips
I just need to ask about credit utilization
My two cards are a sum of 800 $ so what is my limit to a single or double pay
If i need to buy labtob with 400 and i will pay it in full in a couple of days
Will that effect my credit utilization???
No
I just did this with my chase freedom unlimited. Good thing is now it's not 🚫 a hard pull for a credit limit increase. But I still was denied, by chase 😮 😢. It may be better just to apply for another chase credit 💳. Which eventually, I will do 😊.
Remember that applying for a new card will shorten your credit life history and lower your score.
@@taz24787 I didnt know about shorten credit life, when you apply for a 🆕 💳❓ Temporary ding from a score yes.
@@taz24787 How can I add more accounts to my name. My credit report is ghost file 🤔
Can I ask what kind of equipment you use? The camera?
Hey, you can find a list of all my equipment in the description of this video! 😊
Wow!
💜
So its funny how they down actually verify the income my income is around 70k a year and I normally get a credit limit of 10-15k depending on card issuer but last month I came back from a eye appointment I was getting a Eye surgery and my vision was very blurry and I accidentally put in a extra 0 and made it 700k a year and then I had to explain all next day why I accidentally go approved for a 60k card from bank of America and they fixed it so technically you could lie where you say yearly salary and they will approve you for a higher limit please be responsible with this information but its crazy to me how they dont even fact check income 😂😂😂
I want this card but I’ll have to wait because In the last 6 months I’ve applied for 6 credit cards which now I have a total of like 8 cards.. chase loyal fan best.
can i do the secure message 3 times for 3 different cards i want increase....or best to do one??? or mention all 3 in one message right?!
Going to try request a CL. I hope I get it…
Let me know how it goes! 😊
Mine increased by double instantly
🔥🔥
I was denied for an increase 😢 when should I apply again? 6 months? Also thank you for the strategy!! I was probably denied because I didn’t use it due to balance I had..will let you know how it goes! 🏃🏾♂️
How did it go
Chase! 👍
💜
My gf has a 40k limit on her freedom unlimited.. I only have 20k. Trying to catch up with her soon!
Wow those are huge limits congrats to the both of you! 🚀
Chase! 🎉🎉🎉🎉
💜💜
For monthly house payments, do you include the whole household’s income or just your share of the payments?
Hey I usually only include my half. 😊
Hmu if you’re interested in paying your credit card bills off
Household is the rule.
THIS GIRL MAKING 70K ON TH-cam???? WITH ONLY 20K SUBS WTFFF
Chase is the best bank !
I've never banked with them, but their CCs are pretty good, and now that they're doing soft pull CL increases, I'm starting to like them even more! 😂💜
They suck for checkings/savings specially business accounts
That’s my bank and capital one bank💳💰🏝🧉💵👍
No they are not! You are way better off joining Penfed, Navy credit union or any other credit union.
only for credit cards lol, everything else is poopoo garbage
Hello and thanks for your content it's really important, thank you. I have a Amex blue cash back which received an CLI from 3k to 9 k in July. In November I did apply for the Hilton Honors which was approved with 23k.. I want to request another CLI on my BLUE CASH again, probably 16k. Am I in a risk for a manual Financial review if I ask for it?
?
We're chase 😊
💜
I applied for a chase sapphire preferred credit card increase. Does chase do a hard or soft pull on you credit history?
Would applying for credit limit increases on two cards around the same time on the same account (2 different chase cards) affect the chances of getting credit increased? Also if I got a really small credit limit increase, would it be worth asking for it again? thank you. the video was great
What was the result
@@superjeffstanton I got very minor increases to each but i feel like this is dependent on ones personal circumstances.
4:13 credit limit increase request template
Chase. Thanks your advice helped me increase my credit limit by $1300. From $4300 to $5600 🎉.
YAY! I'm so happy you got an increase! 💜 Question: how much of an increase did you ask for.. was it the $1,300 you got approved for or was that a counter offer?
@@DayanaPlays hey Dayana I called and spoke to a representative because i was having problems when trying to submit through the app. I didn’t say how much of an increase I wanted when I called. The representative just gave me one without asking how much of an increase I wanted . I use this card a lot and always pay on time and have had this card for a year the Chase freedom unlimited . My Fico score isn’t super high it’s an 680. I will ask again in 6 months but for a higher amount.
Hmu if you’re interested in paying your credit card bills off
I haven't tried but goggling this says Chase does a hard pull.
Chase!
💜
What process did you used for requesting the limit increase? Thanks
Hey, I went the mobile app secure message route to test it out for the video, but if you call, it might be faster. Both effective. 😊
@@DayanaPlays thank you.
Hmu if you’re interested in paying your credit card bills off
I just did it for my chase freedom and got a 7k increase with no inquiry. 13k to 20k. I was wondering could I do it for both my Chase cards at the same time or should I wait for my other one?
Have you ever opted out of receiving credit card offers