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I'm so happy I could die.
Anyways, I originally started with Chase in 2010 after having a Discover card for 6 months. Both my Discover and Chase card were student cards and had an initial limit of $500.
Fast forward to today, my Discover card has grown to a $1,500 limit and my chase still $500. I hadn't applied for new credit in such a long time, I decided to bite the bullet and ask Chase for a CLI of at least $1,000 to match the $1.5k of Discover. Declined.
I had previously asked for a CLI from chase earlier and was declined both in the initial and recon because I was still too new (this was when I had them for a year).
I decided to wait for the letter to see what it would say. It say "too many new accounts recently opened." Now, my newest account on my credit report is a best buy card which is over a year old now, and after that it's my American Express card which is 2 years old - so I didn't understand why I even got declined.
Now, I was caring a balance on 2 of my 4 cards (64% util) and my credit score isn't fantastic (borderline 690+) because I maxed out my cards a few months ago. But that wasn't the reason I was declined. I decided to call the BD number to recon and I talked to a very nice lady who asked why I wanted to get a cli. I told her I wanted the card to be matched to my highest limit at least, and the $500 credit line is really limiting in terms of wanting to use the card and really discourages me and I don't use it at all.
She put me on a brief hold and voila, I got approved for a increase OF $1,500 making my CL $2000! O: My highest so far.
I'm extremely happy that I was finally able to get some growth with this card after having it for almost 3 years. I've paid off 3 of my credit cards this month, only carrying a balance on one, and now this increase will help even more with my util %!
Yay
congrats! Chase recon is great
Congrats on your recon!
Whoo hoo congrats!
Its good to know that this process works.
Wondering if it will work for my Chase Amazon card when I go for an increase on that card!
what number did you call to get the recon?