03-20-2013 11:12 PM
Since there aways a HP .WHat is the best idea to CLI CHase card ???????? Any back door number i can call to beg ????? Thanks
Not to burst your credit bubble, unless you have a decent score and credit file, this likely may not pan out. If I recall from another post, you have 12-24 inquires in less than 2 years? Unfortunately, any customer intiated CLI will result in a HP with Chase. Calling the backdoor number will not circumvent the HP process to review your request.
03-20-2013 11:21 PM
There has been some rare cases of soft CLI's with Chase, but don't rely on that, I have no idea how they did it either, could be lying as well.
It's funny cause it's a HP, seems like the best thing to do is just apply for another credit card with Chase, preferably one with the best bonus then close the card in a year and transfer the credit limit to your current card you want an increase on.
03-20-2013 11:34 PM
I already did. Freedom 2300 southwest 5000 . I just switch their credit . But the sw I have paid af
paid af? did you pay already? usually first year is waived with Chase for most cards, if not you can usually request it.
03-20-2013 11:37 PM
Yes.That's me .So should i wait 6-12 months more ?
My suggestion would be to continue to garden/wait it out for a while to improve your score, letting those inquiries age and then you will be in a better position to request the CLI.
Now, along with what the above poster has mentioned, some successes have been documented whenever folks apply for a separate product and obtain better results. However, this depends on a variety of factors. You will have to outweight the pros/cons from opening additional accounts since this will ultimately impact your AAoA and if you currently have too many open new accounts, then the effect may be counterproductive (i.e. initial limit - if approved - may not be as high or application will not be approved).
03-21-2013 12:18 AM
With Chase almost any annual fee can be waived for the first year. I even got United Club card first year waived after the offer expired just by asking. $395 annual fee. I like it because I can pick my friends and family AT THE GATE, gives me lounge access even if I'm not flying, and get all the benefits of Gold Status without ever having to fly. (priority boarding, security, check in)
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.