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Contributor
92SelfMade
Posts: 84
Registered: ‎07-28-2011
0

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%

Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012
0

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! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Contributor
92SelfMade
Posts: 84
Registered: ‎07-28-2011
0

Re: Chase Credit Line Increase and Apr Reduction

bump

Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

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 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
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Valued Contributor
android01
Posts: 1,212
Registered: ‎09-22-2009
0

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! :smileymad:

EQ FICO - EQ08 - 850 -10/22/14
TU FICO - TU08 - 850 - 10/22/14
EX FICO - EX08 - 850 - 10/22/14
Valued Contributor
mxp114
Posts: 1,363
Registered: ‎09-01-2011
0

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.

Contributor
92SelfMade
Posts: 84
Registered: ‎07-28-2011
0

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

Senior Contributor
drkaje
Posts: 3,492
Registered: ‎07-25-2008
0

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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Valued Contributor
afbar1114
Posts: 2,179
Registered: ‎01-09-2012
0

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
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Contributor
92SelfMade
Posts: 84
Registered: ‎07-28-2011
0

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


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