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Chase Credit Line Increase and Apr Reduction

Contributor

Chase Credit Line Increase and Apr Reduction

Has anyone been able to get a reduced apr with chase or a  credit line increase if so how? I've been with them for about 1 year and 4 months and am still stuck at $800 limit and  apr of 22.99%

Message 1 of 22
21 REPLIES
Valued Contributor

Re: Chase Credit Line Increase and Apr Reduction

I just got approved for $1000 with 22.99% APR. glad to see I am not the only one. LOL! I plan to pay this sucker in full every month. Luckily it is 0% during the introductory period. Chase is a stickler!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 2 of 22
Contributor

Re: Chase Credit Line Increase and Apr Reduction

bump

Message 3 of 22
Valued Contributor

Re: Chase Credit Line Increase and Apr Reduction

have you used the card alot? 

 

i was approved back in july for a 500 limit with the 22.9apr but 0% on bt and purchases for the first 18 months. since then i got a auto cli to 1k last month. 

 

to my knowledge you can request one but it would be a hard pull. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 4 of 22
Valued Contributor

Re: Chase Credit Line Increase and Apr Reduction

Chase bought WAMU a few years back, and I had a WAMU card.  Chase immediately rate jacked my APR to 29.99% (the default rate) for no reason.  The account was 10 years old, with no issues.  Eventually they switched me to a Slate card, and about 6 months ago I PC'd it to a CSP, and got a CLI to $25,000.  I've tried and tried to get them to reduce the APR since they took over the account years ago, and they always refuse, saying that I they'll "check again in six months".  I also have a JPM Select that has the standard 14.24% that comes with that card, and they STILL won't lower the rate on the CSP.  The APR really doesn't matter as I never carry balances - it's the principal of the matter that gets to me every time I think about it! Smiley Mad

EQ Fico 8 - 846
TU Fico 8 - 848
EX Fico 8 - 836
Message 5 of 22
Valued Contributor

Re: Chase Credit Line Increase and Apr Reduction

My CSP remains at the approved rate of 15.24%, everytime I ask am told to wait six months.

Message 6 of 22
Contributor

Re: Chase Credit Line Increase and Apr Reduction

ok so that is the same luck im gettting I cant get apr reduction for anything.. in regards to cli they want a hard inquiry and I aint having it

Message 7 of 22
Senior Contributor

Re: Chase Credit Line Increase and Apr Reduction

I'm at 17.99% and plan on calling to ask for a reduction Tuesday.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Message 8 of 22
Valued Contributor

Re: Chase Credit Line Increase and Apr Reduction

Mxp114 I don't think there's a lower apr for csp

In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 9 of 22
Contributor

Re: Chase Credit Line Increase and Apr Reduction

ok so based on what im hearing and being in contact with there executive office these companies will never budge on apr becuse i also get told to callbck in 6 months

Message 10 of 22