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Regular Contributor
slap_happy
Posts: 257
Registered: ‎08-17-2013

Re: Chase IHG question

well, turkey was in the oven, egg nog in cup, kids making noise etc....so figured what better time to do this lol, so we pulled the trigger and lo and behold, she got instantly approved! great, I figured at least a $2-3 CL, but we really only wanted the points and annual free night...called the automated status and she got approved for a siggy with a $15000 CL!!!! something is just not right with that, be were not complaing... im now wondering what I would get approved for?? my file is so much better then hers.

Mega Contributor
Creditaddict
Posts: 18,812
Registered: ‎10-23-2007

Re: Chase IHG question


slap_happy wrote:

well, turkey was in the oven, egg nog in cup, kids making noise etc....so figured what better time to do this lol, so we pulled the trigger and lo and behold, she got instantly approved! great, I figured at least a $2-3 CL, but we really only wanted the points and annual free night...called the automated status and she got approved for a siggy with a $15000 CL!!!! something is just not right with that, be were not complaing... im now wondering what I would get approved for?? my file is so much better then hers.


HAHA... and we had how many people say NO APPLY... you all need to chill sometimes with your 1 high util account killing all :smileytongue:

Congrats!

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Moderator
Revelate
Posts: 8,318
Registered: ‎12-30-2011

Re: Chase IHG question

[ Edited ]

Creditaddict wrote:

slap_happy wrote:

well, turkey was in the oven, egg nog in cup, kids making noise etc....so figured what better time to do this lol, so we pulled the trigger and lo and behold, she got instantly approved! great, I figured at least a $2-3 CL, but we really only wanted the points and annual free night...called the automated status and she got approved for a siggy with a $15000 CL!!!! something is just not right with that, be were not complaing... im now wondering what I would get approved for?? my file is so much better then hers.


HAHA... and we had how many people say NO APPLY... you all need to chill sometimes with your 1 high util account killing all :smileytongue:

Congrats!


Incredibly few if you read the thread :smileyhappy:.  Several said looks reasonable but if you wait for a bit you can likely do better.  Likewise I would suggest the converse of pushing one's markers doesn't work either in all cases, though on the whole at least with my posting think you'd find I'm typically one of the more vocal in the "dude, just go do it" crowd.

 

In any event, OP that is a smashing approval!  I am sort of curious if typical travel cards around the travelling season grant larger limits than say cards in January.  Consumers are used to spending and paying back holiday borrowing and as such maybe the time of year does make some difference in the risk analysis.  Curiosity item at least.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Regular Contributor
slap_happy
Posts: 257
Registered: ‎08-17-2013

Re: Chase IHG question

that 


Revelate wrote:

Creditaddict wrote:

slap_happy wrote:

well, turkey was in the oven, egg nog in cup, kids making noise etc....so figured what better time to do this lol, so we pulled the trigger and lo and behold, she got instantly approved! great, I figured at least a $2-3 CL, but we really only wanted the points and annual free night...called the automated status and she got approved for a siggy with a $15000 CL!!!! something is just not right with that, be were not complaing... im now wondering what I would get approved for?? my file is so much better then hers.


HAHA... and we had how many people say NO APPLY... you all need to chill sometimes with your 1 high util account killing all :smileytongue:

Congrats!


Incredibly few if you read the thread :smileyhappy:.  Several said looks reasonable but if you wait for a bit you can likely do better.  Likewise I would suggest the converse of pushing one's markers doesn't work either in all cases, though on the whole at least with my posting think you'd find I'm typically one of the more vocal in the "dude, just go do it" crowd.

 

In any event, OP that is a smashing approval!  I am sort of curious if typical travel cards around the travelling season grant larger limits than say cards in January.  Consumers are used to spending and paying back holiday borrowing and as such maybe the time of year does make some difference in the risk analysis.  Curiosity item at least.


that is a good point, I am still shocked that she got that high of a CL due to that her highest was $3k, she has no siggys, no relationship with chase and high util on the discover... I guess its one of those wow type of apps, probably wont happen to her again lol. but this really helps out her portfolio, she now has a relationship with chase and a high line that might cause her others to bump up and we still got the 80k points and free night annually!! 

Regular Contributor
GetTheFico
Posts: 141
Registered: ‎09-22-2012

Re: Chase IHG question

Very nice starting limit. The platinum status will come in handy.
EQ: 703, TU: 704, EX: 648

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