03-14-2012 09:26 AM
With some of these companies, I always assume and prepare for a HP so it's never unexpected. Inquiries count less over time and then "disappear" and the reps don't always know what they're talking about, as we've well learned from this forum.
03-14-2012 10:32 AM
Just talked to Marie again, and she said they are increasing it another $250. So it went from $300 to $750 in 1 week, and only a SP! YMMV of course. She said they can't extend more than that now because my last 2 accounts are new(02/11, and 11/11). Her credit analyst didn't say anything about my lates back in 01/10 so those were not factors.
I asked her if I can PC to a Freedom, but she said account is too new.
She was super nice, and said I can call her anytime in the future for a CLI or PC or anything else.
04-13-2012 11:18 PM
04-14-2012 02:36 AM
Sorry, I know I'm late. My brother in law had his Chase freedom since 2008 with 300 limit. His smallest limit to date. I told him about the back door number and he asked for increase. They granted him 8000 visa signature with soft pull.
04-14-2012 09:37 AM
@trumpet A security freeze stops HP's currently with a creditor or not. Ive had mutiple creditors tell me they cant HP because my reports are frozen.
A security freeze generally does not apply to circumstances in which you have an existing account relationship and a copy of your report is requested by your existing creditor or its agents or affiliates for certain types of account review, collection, fraud control or similar activities.
In addition, you need to pay fee (both placing and lifting) for security freeze.
I understand what your saying, but I've been in situations this year and last year where the creditor wanted to do a HP for a CLI and couldn't so they flat out denied the CLI. This may be true for EX but EQ and TU have been proven (at least from ym standpoint) to be HP blocked for CLI's.
When I recently apped for the Chase United Explorer card. I initially got the 7-10 message and called in. The rep said it was because my EX report was frozen. I already have another card with them. They ended up pulling EQ instead for me.
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