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God Bless Chase!

Regular Contributor

God Bless Chase!

My wife, who almost never applies for anything, decided she wanted the CSP and applied.  Approval wasn't instant as they wanted her to submit authorization for Chase to verify her SSN with the SSA directly.  The day after she faxed in the form, they approved her for $10k.

 

I felt a little "unbalanced" since almost all her credit is piggybacked off of mine and my Chase Amazon has been at $5k for ages, though that's probably my fault because I have never asked them for a CLI.  But still.

 

So I decided to apply.  I figured best case scenario they would approve for $5k and I'd recon it to $10k.  I almost $&#% when they came back with an instant for $30k.  I'm still in shock five days later.

 

Also kind of strange is that for my wife they pulled EX, but for me they pulled EQ. 

 

 

 

 

Message 1 of 11
10 REPLIES
Regular Contributor

Re: God Bless Chase!

Daammnn! Congrats!

Message 2 of 11
Established Contributor

Re: God Bless Chase!

Congrats! Sounds like you owe your wife a nice dinner at the very least.LOL

What's in my wallet: Cap1 Venture NFCU Sig Visa Delta Gold Amex BCE Citi Simplicity IHG World MC Amazon Visa CSP
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board
Message 3 of 11
Established Contributor

Re: God Bless Chase!

Congrats! I wish i could get the csp. Excellent cl btw.
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Message 4 of 11
Valued Contributor

Re: God Bless Chase!

40k total limit in 1 day.

Great........That my 2014 total limit expect.......


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 5 of 11
Regular Contributor

Re: God Bless Chase!

Yes, I do owe her a nice dinner ... or two.  At least.

 

I'm just so shocked that Chase -- of all banks -- would be so nice.  Are they on meds or something?

 

I do have some very high CLs on other accounts and a longish history, but I think the kicker was I only had 1 INQ.  From my experience -- and ONLY my experience -- I'd say that Chase likes:

 

1.  Minimal INQs.  I only had 1and it was 8 months old.

2.  History of 7+ years with Chase.

3.  EQ: 771.

4.  Not very new account sensitive.

5.  Have a banking relationship with Chase.

6.  Above average income.

7.  No derogatory on CR.

 

But even then.  What Average Joe really needs $30k CL?  I mean, it's nice and it feels good, but it just seems over the top.

Message 6 of 11
Valued Contributor

Re: God Bless Chase!

Wow, fantastic CL! Congrats on the approvals. Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 7 of 11
Regular Contributor

Re: God Bless Chase!


nicholasyud wrote:

40k total limit in 1 day.

Great........That my 2014 total limit expect.......


I may be wrong, but in my experience keeping clean, time and patience is the key. 

 

After a few years you'll be getting over $40k in just credit limit increases at a time in addition to new credit.

Message 8 of 11
Valued Contributor

Re: God Bless Chase!

yep i from $300 credit limit from this time last year and now sit at around 15k Smiley Very Happy

2 more year would be nice 40k ......


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 9 of 11
Established Contributor

Re: God Bless Chase!

wow Congrats!!!


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

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Message 10 of 11