Established Contributor
Posts: 573
Registered: ‎05-29-2011

Attn: Chase Account Holders

I'm wondering what the max CL / accounts chase will open and was wondering what others have.  I have the slate ($6k) UA($5K) Sapphire Pref ($15k) ...wanting to app for Select and was thinking that may be one too many accounts for chase to open.

Amex Green NPSL, Amex BCE $19.7k, Amex HH Surpass $11.3k, Amex Simply Cash Business $3k, Chase Ink Bold $15k (flex)Chase Sapphire Preffered $26k, Citi Diamond $13.3k, Citi TY Preferred $10.5k, Virgin Atlantic Amex $8k, Discover Motiva $10k, Boa World Elite $10k, US Bank Visa $4.1k, GE Amazon $4k, GE Lowes $6k, BillMeLater $5.3k, Target $.2k, CapOne $2k Von Maur NPSL,
Regular Contributor
Posts: 148
Registered: ‎05-15-2012

Re: Attn: Chase Account Holders



     I seen another member post that he/she had 5  Chase cards, however at his 4th or 5th card he/she had to call in and explain why he needed another Chase card.  I only have one CC with chase so unfortunately I can't give you a better answer. 


I do have two Cards from USAA and I tried to app for a 3rd, but when I hit the "Apply" button it said I reached my max applications, so I am taking it I can only have 2 CC's at this time.  Hopefully this helped you out a little bit, im sure some others will have the answer your looking for if this one didn't help you.




Regular Contributor
Posts: 165
Registered: ‎08-13-2009

Re: Attn: Chase Account Holders

Currently, I have three accounts with Chase with a total of $46K credit.  They start questioning at three or four in my experience but they will allow more.  I was at five at one point but got rid of some.  Also, I have noticed that when you close a card they still factor that card in for some time after it is closed.  I had a card closed for 2+ months and when I applied for a new card and it was seen as an open account.  As soon as I explained the one was closed the CSR said "oh, yes it is, your all set and I'll get this app approved".

New Contributor
Posts: 71
Registered: ‎02-15-2012

Re: Attn: Chase Account Holders

I have Chase Freedom and Chase Southwest Card


I applied for Chase Sapphire and was denied because I had too many Chase cards.

Starting Score: 580 - November 2011

Current Score: 655 Equifax, 706 Experian

Capital One Plantium $2.5K / Orchard Bank $800 / Orchard Bank $500 / Capital One Green Card $1K new account 3/2012 / Macy's 3/2012 App $300/ Amex Zync No Psl / Kohls $600 3/2012/ Discover Card $1.5K/Chase Freedom 4/2012 App, 3K, Chase Southwest Airlines $7K, 05/2012 App.

Time to garden
Frequent Contributor
Posts: 421
Registered: ‎07-21-2010

Re: Attn: Chase Account Holders

I have 5 Chase cards at just over $35,000 in exposure, I was told when I applied for my Hyatt card that as of right now any new cards would require reallocation to get approved until my accounts were at least 2 years old.  But she said it is on a case-by-case basis to determine that.

My favorite card right now: Barclays Priceline Visa Signature
Valued Contributor
Posts: 1,157
Registered: ‎05-21-2008

Re: Attn: Chase Account Holders

Got a Chase Freedom in 2008, at the same time as an AMEX and Discover More.  Chase and Discover were $3k, and AMEX was $2.5k


Today, Discover is at $6300, and I've never asked for a CLI

Amex is at $8k, but I had to ask for that.

And I've never requested a CLI from Chase, so guess what that CL is....


I guess this isn't related to the thread.  Just venting :smileyhappy:

Starting Score: EQ: 665 - TU: 687
Current Score: EQ: 749 - TU: ---
Goal Score: EQ: 760 - TU: 760

Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,367
Registered: ‎04-20-2012

Re: Attn: Chase Account Holders

I have 3 JPMC cards (Palladium, CSP, and Freedom) for an aggregate CL of $105k. On my latest app (Freedom) I had to speak to a credit specialist to have my CL bumped from $3k to $15k. I think after your 3rd card you can start to expect having to explain yourself over the phone.

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

J.P. Morgan Palladium ($250k) | AmEx Platinum (NPSL) | AmEx SPG Personal/Business ($50k/$50k) | Citi Executive AAdvantage WEMC ($50k) | Citi Dividend WEMC ($50k) | Chase Sapphire Preferred VS ($50k) | Chase Ink Bold WEMC ($50k Flex) | Chase Ink Plus WEMC ($25k) | Chase Freedom VS ($25k) | Chase Freedom WMC ($25k) | Chase MileagePlus Explorer ($25k) | Chase Southwest RR Plus Business/Personal ($15k/$15k) | Barclays US Airways ($25k) | Barclays Hawaiian Airlines ($25k) | BofA Alaska Airlines ($10k) | Lexus Financial Services ($30k) | Mercedes-Benz Financial Services ($50k)
New Visitor
Posts: 1
Registered: ‎09-07-2012

Re: Attn: Chase Account Holders

i have 3 cc with chase..

Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012

Re: Attn: Chase Account Holders

After about 3 cards, you might start to get some questions from them. If you have a good relationship with Chase you may be able to get 4-5. If you don't then they'll likely cap you at 2. Also there's a maximum exposure they have in terms of CL. Anything more than this will likely require a CL reallocation.
FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL

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