Not really a UR specific question, but I'm at a loss. And so was a branch manager I spoke with a few years ago. Probably 10-15 years ago (its been a while) I wasn't in the best financial shape. I was late with an Amex payment (new bank account, and at the time Amex didn't tell you when your due date was when you set up autopay) and I picked an autopayment date that was after the due date (again, why no warning?) Payment was late by like three days, Amex reported it. A month later maybe, I got a call from Chase to do a financial review. The basically zeroed out my cards, and said if there wasn't a balance they'd have closed them all.

Flash forward to 2021. Everything is paid off, no debt aside from a car loan that had a few payments left. i use one of the cards specifically for business purchases, and it had about a $15k limit, and $20k would be way more helpful during busy months. I can handle the $15k, just means an extra payment needs to be made mid cycle. Called chase, hoping to get a CLI. No go. Barclay's increased without asking the limit on my View card from $1500 to $6500, Amex my Blue Everyday from $7500 to $12,500. Chase upgraded me from a regular Sapphire to the Sapphire Preferred. Two years go by, I ask for a CLI again. No go. Still no debt, the card gets used a lot, and paid in full every month. I go to a Chase branch, the manager calls someone, and I'm blocked from getting more credit from Chase for an unspecified reason. Which is annoying.

End of last year, tried again for a CLI with chase on our United card. Still denied. Since December I was able to get a BofA Alaska Card with $15k, a US Bank Smartly card at $23k, and a Fidelity Visa with $45k. This is in addition to my Amex getting random CLIs, as well as the Barclay's card. Very little has changed, if anything I have more debt with a mortgage and a car loan. But Chase won't budge.

Anyone have any ideas what happened?