Update 3/10/23: Chase recently sent out an internal memo to bankers confirming that no credit pull is done for credit limit increase requests. And so it appears that the is now a rule for all credit limit increases, irrespective of whether they are requested via the app or any other platform.
Update 2/20/23: This is now showing up for more people.
Original Post:
Chase is now letting users request credit limit increases via the Chase app and no hard credit pull is done. Previously Chase has always done a hard pull for credit limit increases. Currently this feature is not available to everybody but if you’re eligible it should show as “Request a credit limit increase” under “Transfer A Balance”. It also looks like only pre-approved credit limit increases will avoid the hard pull as it states “preapproved increases will not have a credit pull”.
Hat tip to reader Brian
View Comments (91)
I requested a credit limit increase on the app and I got a letter, asking me to unfreeze my TransUnion report and call back for consideration. Why would they do it, if there's no hard pull? I must admit there was a flash message to unfreeze credit reports on all 3 credit bureaus as I was requesting.
Same thing happened to me with letter received today, dated May 6th.
Did both Freedom and Freedom Unlimited.
I've done the credit limit increase for both cards via app before with my reports locked and it went up. I don't remember when, but maybe about half a year ago or so.
I applied for the CLI and got an error. Came back to the home page and I did in fact get a CLI. Buggy as hell for me.
I applied for CLI on my CSP card, filled out income and housing info, then got message saying they are reviewing, will send letter in 7-10 business days, so it looks like a denial.
Cool I just requested and got a 9k cli, finally they’re seeing reason
@chucksithe @will
I have this available on chase.com
Hello. First time here. Yes Chase just gave me 2 CLI on both my cards with a soft pull! I've been waiting for them to finally do what Capital has been doing for years! Thanks Chase!
4/21/23
Chase Slate from $7k to $13k.
Chase Freedom Unlimited from $1k to $2k.
The rep suggested not to ask for a very high limit increase because it could get denied and no counter offer. I took his advice and got both increased almost double.
I checked my app randomly today and I was given the option to request a limit increase. It only let me do one CLI for the card I picked. When I tried again, it told me it was unavailable.
Same - I did it on my CSP and it gave me cli from 18k to 27k but when I went back for my CF said it wasn’t available - both showed up intially eligible - I’ll probably check again in 3-6 mos
Does the no hard pull item also work for business? Have a zero % apr offer on my ink and would love to have a higher limit for that.
Other than auto CLI, they dont allow CLI before 1 year old I think so you kight want consider that
Option appears in the app for me. Did CFU first, entered income and mortgage payment info, offered $1,600 CLI, accepted. Freedom Flex shows "a CLI increase is not available" - may be due to the CLI on the CFU, or the system hasn't gotten to that account yet. Sent a secure message.
What happened when you sent the secure message? What response did you get? Limit increase approved for your other Chase credit card?
You can now request a CLI through Chase secure messages. They ask for your income and housing payment, and specify that it will be a soft inquiry, not hard.