Chase Freedom Low CL

[scientifics]

I recently got a Chase Freedom card and I only got a $2000 CL. Will Chase do a CLI right away without another hard pull? I have other cards with much higher CLs.

[aftermath]

No.  It is a guaranteed hard pull.

[tntexans72]

I have a Chase personal/savings along with Chase CCs. All are linked up together when I log in to view all information. I requested a CLI 2 months ago by logging into my personal account and sending Chase a Secured message asking for a CLI. It was a soft pulled. But, before doing so, I emailed Chase and asked if it was a hard/soft and the replied email from CSR was...."soft". Although I was declined the CLI, I checked my report 1 month later and confirmed it was a soft, not hard.

[hedgeclipper2]

I asked after my Freedom account was 7 months old.  Chase mortgage is 14 months old, have a Chase checking, savings with around $6k, and a United card with them for 4 months.  Declined.  Hard pull.  They were kind of rude about it too.  I had a few recent inq's for CLI requests and opened a new Citi card, she said, and I quote "you look very desperate for credit, and it appears as if you are about to default on your obligations."  Needless to say, sockdrawered.  

[tntexans72]

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@jthedges wrote:

I asked after my Freedom account was 7 months old.  Chase mortgage is 14 months old, have a Chase checking, savings with around $6k, and a United card with them for 4 months.  Declined.  Hard pull.  They were kind of rude about it too.  I had a few recent inq's for CLI requests and opened a new Citi card, she said, and I quote "you look very desperate for credit, and it appears as if you are about to default on your obligations."  Needless to say, sockdrawered.  

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That CSR could of been fired if you had of escalated that call to a Supervisor. All calls are recorded when you call into Chase asking for a CLI, etc....I've been with Chase since 2002, at times, the CSR can be blunt and straight to the point but never said anything like you mentioned above. I would of ask for a manager or supervisor and have that person written up.

[scientifics]

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@aftermath wrote:

No.  It is a guaranteed hard pull.

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Since that's the case I think I'll wait...how long is normal for Chase CLIs?

[UFGuy2006]

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@scientifics wrote:

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@aftermath wrote:

No.  It is a guaranteed hard pull.

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Since that's the case I think I'll wait...how long is normal for Chase CLIs?

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I thought 6 months... seems to be the typical amount of time to wait.

[Anonymous]

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@jthedges wrote:

she said, and I quote "you look very desperate for credit, and it appears as if you are about to default on your obligations."  

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Wow, that is totally unprofessional, and I bet she could get into a lot of trouble for that, I'm a nice guy and all, but I think I would have escalated that.

[hedgeclipper2]

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@Anonymous wrote:

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@jthedges wrote:

she said, and I quote "you look very desperate for credit, and it appears as if you are about to default on your obligations."  

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Wow, that is totally unprofessional, and I bet she could get into a lot of trouble for that, I'm a nice guy and all, but I think I would have escalated that.

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After being berated on the phone, I didn't really care to give them any of my business anyways.  I charged anywhere from $1000 to $3000 a month with Chase between my United and Freedom cards, and always PIF.  But whatever, I am currently loving on my Citi Dividend card.

[Anonymous]

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@jthedges wrote:

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@Anonymous wrote:

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@jthedges wrote:

she said, and I quote "you look very desperate for credit, and it appears as if you are about to default on your obligations."  

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Wow, that is totally unprofessional, and I bet she could get into a lot of trouble for that, I'm a nice guy and all, but I think I would have escalated that.

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After being berated on the phone, I didn't really care to give them any of my business anyways.  I charged anywhere from $1000 to $3000 a month with Chase between my United and Freedom cards, and always PIF.  But whatever, I am currently loving on my Citi Dividend card.

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I don't blame you one bit, I guess those Chase cards will be sniffing socks for a while huh? LOL

I just apped for the Citi Dividend Platinum Select, I called for app status and was told they are sending me a letter to verify my income, I believe that is what I was told the letter was.

I can verify my income, so maybe thats a good sign for approval????