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Baffled by Chase!!!

tag
Anonymous
Not applicable

Baffled by Chase!!!

Discover gives me a 11.3K CL and chase, whom I also banked with for since the WaMu acquisition only gives $500. I'm highly disappointed Smiley Sad

Message 1 of 11
10 REPLIES 10
Epcot
Valued Contributor

Re: Baffled by Chase!!!

Did you request the CLI from Chase? Was it a HP? I have had a slate card with the same limit for over five years. Whenever I ask about a CLI they tell me it will be a HP, but I never went through with it. I plan on apping for the Disney card soon and hope for a much higher CL.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 2 of 11
Anonymous
Not applicable

Re: Baffled by Chase!!!

Call the backdoor number and recon that initial CL immediately - and don't let them hard pull to do it.

Message 3 of 11
youngandcreditwrthy
Senior Contributor

Re: Baffled by Chase!!!

to be honest, it seems like a glitch that you got $11.3k with Discover...

 

$500 seems like a more appropriate limit with your score.

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 4 of 11
youngandcreditwrthy
Senior Contributor

Re: Baffled by Chase!!!

oh wait nvm haha. I looked at your old scores.

 

call and harrass them; they need it! hah :-)

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 5 of 11
Anonymous
Not applicable

Re: Baffled by Chase!!!

Me and my trigger fingers ugh. I should have followed my plan and waited for the Discover card to post before I applied. I called the backdoor # (Credit Analyst) and she stated had the Discover card posted, I'd have a higher line and suggest I apply for a CLI once the Discover posts.

Message 6 of 11
Cadillac-XTS
Established Contributor

Re: Baffled by Chase!!!

Sounds like you may be getting a cli after all huh

Message 7 of 11
webhopper
Moderator Emeritus

Re: Baffled by Chase!!!

It seems like chase treats their wamu clients differently. Definately try for a CLI after discover reports...
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 8 of 11
Chaos122
Regular Contributor

Re: Baffled by Chase!!!

Lol, what does your overall credit profile look like.  I was also recently approved for chase for 500 after a recon, lol.  I had to recon for 500, My other credit lines range from 3k-20k and chase gave me 500.  In my case they said i had too many new accounts which I could understand (recent app spree) and i should have been declined but they knew my overall credit file was pretty solid so they would start me off at 500 and i should apply for a cli when my new accounts age.

 

At first I didnt think it was worh the aaoa hit to take a 500 card, but i figured that i might as well get it now with my other new cards and have them all age together, and i can always get a cli later.

 

 


Starting Score: TU 608, Eq 618
Current Score: TU 797 Eq 792, Ex 805 (psecu)
Goal Score: 840 across the board


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Message 9 of 11
maiden_girl
Valued Contributor

Re: Baffled by Chase!!!


@webhopper wrote:
It seems like chase treats their wamu clients differently. Definately try for a CLI after discover reports...

I've heard this before...previously WaMu customer. I miss WaMu. Not as many fees as Chase.

 

As of 2017, rebuilding...
Message 10 of 11
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