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Baffled by Chase!!!

Valued Member

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

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

Message 1 of 11
10 REPLIES
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 832 EX 783 TU 816
App free since 9/15/15
Message 2 of 11
Frequent Contributor

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.
Message 3 of 11
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
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
Valued Member

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

Message 6 of 11
Established Contributor

Re: Baffled by Chase!!!

Sounds like you may be getting a cli after all huh

Message 7 of 11
Moderator Emeritus

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!



Take the myFICO Fitness Challenge
Message 8 of 11
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


Take the FICO Fitness Challenge
Message 9 of 11
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