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Valued Member
Posts: 49
Registered: ‎11-02-2012
0

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 :smileysad:

In my wallet: Discover More $11,300 11/2/12 | Chase Freedom $500 11/8/12

Initial 10/14/12 (Free Score): TU 621 /EQ 621 /EX 618
Current: 1/13/13 (Free Score): TU 708 /EQ 677 /EX 698
Initial EQ FICO: 670 11/2/12
Current EQ FICO: 698 1/13/13

Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

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 816 EX 780 TU 823
App free since 4/11/13
Frequent Contributor
Posts: 470
Registered: ‎08-14-2012
0

Re: Baffled by Chase!!!

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

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
0

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
Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
0

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
Valued Member
Posts: 49
Registered: ‎11-02-2012
0

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.

In my wallet: Discover More $11,300 11/2/12 | Chase Freedom $500 11/8/12

Initial 10/14/12 (Free Score): TU 621 /EQ 621 /EX 618
Current: 1/13/13 (Free Score): TU 708 /EQ 677 /EX 698
Initial EQ FICO: 670 11/2/12
Current EQ FICO: 698 1/13/13

Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Baffled by Chase!!!

Sounds like you may be getting a cli after all huh

Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Baffled by Chase!!!

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

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Regular Contributor
Posts: 204
Registered: ‎12-20-2010
0

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 755 Eq 746, Ex 770(psecu)
Goal Score: 780 across the board


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Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

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.

 

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






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