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hey there its stanford frog and the other day i received an automatic credit line increase from chase now this happens more often than youd expect so i want to tell you the credit limit increase or cli i received explain the main factor that i think got me one and how you can increase your chances of getting an automatic credit limit increase from chase for yourself simply put a current line increase is good for your credit score because assuming all other things equal it will lower your overall credit utilization credit utilization is the second most important category in your credit score accounting for about 30 percent of your overall score with chase an automatic cli is one of the best ones you can get and the reason why is that there is no hard pull unfortunately chase bank hard pulls a lot when you open any new credit card with them personal or business thats a hard pull when you ask for a credit line increase thats a hard pull this makes it very difficult to build your total