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Beyond 35K on a Chase card

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vanillabean
Valued Contributor

Beyond 35K on a Chase card

I stumbled upon some Rules For Reallocating Your Credit Limit With Each Credit Card Issuer. It was noted for Chase that "If you’re moving credit onto a card that will cause that card’s credit limit to exceed $35,000, it will result in a hard pull.” The article was written in December 2014, before the recent flood of denial worries.

This $35K threshold is probably not related to the so-called ~$40K cards not using card utilization and scored as installment accounts such as home equity loans. But I have a card which EX 98 views as ~40K (and EQ 04 doesn’t, not sure about TU 04), so what if your card limit is already past the $35K and is moved from $40K to $50K, is there a hard pull?

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UFGuy2006
Established Contributor

Re: Beyond 35K on a Chase card

I recently moved 8k to a 33k card resulting in 41k and there was no hard pull.
Message 2 of 3
Luscher
Valued Contributor

Re: Beyond 35K on a Chase card

Im sitting at 32k on one and 6.5k on the other. I doubt they would require a hard pull from me to consolidate. But, I don't plan on doing it anyway.
CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
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