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Chase Not Transferring Credit Limit Without Hard Pull

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Shock
Established Contributor

Re: Chase Not Transferring Credit Limit Without Hard Pull


@amdm2013 wrote:
@ Shock .. exactly! With the inqs I've got, one more doesnt make a difference ... lol! Do you think its worth a recon?

I think you have nothing to lose. Chase is great with recon, and they might say yes. Try like 5 times too, each agent is different.

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Message 11 of 25
amdm2013
Frequent Contributor

Re: Chase Not Transferring Credit Limit Without Hard Pull

Five times? Lol! Will give it a shot. Will there be another hp for recon? Thanks.
CSP: $20k / BarclayCard WMC: $20k / US Bank Sig: $12k / Diners Club: $10k / Macy's: $10k / CapOne QS: $8k / Sportsman's Visa: $7.5k / Overstock: $7.4k / Citi DP: $3.6k / US Bank LOC: $2.5k / Cabela's: $2k / Bank of Hawaii AmEx: $1.6k / Chase Marriott: $1.5k / Amazon Visa: $500
Message 12 of 25
Shock
Established Contributor

Re: Chase Not Transferring Credit Limit Without Hard Pull


@amdm2013 wrote:
Five times? Lol! Will give it a shot. Will there be another hp for recon? Thanks.

Naw, No additional hard pull as far as I know. If there was, I wouldn't tell you to recon...let alone five times lol! And I especially wouldnt say that you have nothing to lose! Haha.

 

Worse they can say is no. 

 

my sig quote.

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Message 13 of 25
amdm2013
Frequent Contributor

Re: Chase Not Transferring Credit Limit Without Hard Pull

Great! Thanks.
CSP: $20k / BarclayCard WMC: $20k / US Bank Sig: $12k / Diners Club: $10k / Macy's: $10k / CapOne QS: $8k / Sportsman's Visa: $7.5k / Overstock: $7.4k / Citi DP: $3.6k / US Bank LOC: $2.5k / Cabela's: $2k / Bank of Hawaii AmEx: $1.6k / Chase Marriott: $1.5k / Amazon Visa: $500
Message 14 of 25
Shock
Established Contributor

Re: Chase Not Transferring Credit Limit Without Hard Pull

oh and by the way, youll know exactly what you were denied for if they dont approve you. instead of 10 days later via snail mail

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Message 15 of 25
amdm2013
Frequent Contributor

Re: Chase Not Transferring Credit Limit Without Hard Pull

Will call on Monday. Thanks.
CSP: $20k / BarclayCard WMC: $20k / US Bank Sig: $12k / Diners Club: $10k / Macy's: $10k / CapOne QS: $8k / Sportsman's Visa: $7.5k / Overstock: $7.4k / Citi DP: $3.6k / US Bank LOC: $2.5k / Cabela's: $2k / Bank of Hawaii AmEx: $1.6k / Chase Marriott: $1.5k / Amazon Visa: $500
Message 16 of 25
grinlikechelsea
Established Contributor

Re: Chase Not Transferring Credit Limit Without Hard Pull


@amdm2013 wrote:
Will call on Monday. Thanks.

Good luck!

Message 17 of 25
amdm2013
Frequent Contributor

Re: Chase Not Transferring Credit Limit Without Hard Pull

Thanks.
CSP: $20k / BarclayCard WMC: $20k / US Bank Sig: $12k / Diners Club: $10k / Macy's: $10k / CapOne QS: $8k / Sportsman's Visa: $7.5k / Overstock: $7.4k / Citi DP: $3.6k / US Bank LOC: $2.5k / Cabela's: $2k / Bank of Hawaii AmEx: $1.6k / Chase Marriott: $1.5k / Amazon Visa: $500
Message 18 of 25
amdm2013
Frequent Contributor

Re: Chase Not Transferring Credit Limit Without Hard Pull

Spoke to Chase. They wouldn't approve another cc, but approved to close my Freedom and move the 6k CL to CSP, which is exactly what I wanted. Thanks Shock for the encouragement!
CSP: $20k / BarclayCard WMC: $20k / US Bank Sig: $12k / Diners Club: $10k / Macy's: $10k / CapOne QS: $8k / Sportsman's Visa: $7.5k / Overstock: $7.4k / Citi DP: $3.6k / US Bank LOC: $2.5k / Cabela's: $2k / Bank of Hawaii AmEx: $1.6k / Chase Marriott: $1.5k / Amazon Visa: $500
Message 19 of 25
Hammer23
Frequent Contributor

Re: Chase Not Transferring Credit Limit Without Hard Pull

I can confirm they did a hard pull when transferring the limit from my Slate to my Freedom. 

 

It went like this. 

 

Called to Recon a denial on a Freedom app, was approved with a HP on EFX. 

 

Called into CS after the recon analyst stated they could not transfer the limit. CS stated they could not transfer my entire CL (only $4500 of the $5000) said it was the most the system would allow. The associate offered to transfer me to the consolodation department. When they answered they said "please hold while I review" and I was on hold before I could inturrupt to ask if it was a HP. 

 

I got the alert from Experian. It was for certian a HP.... BOO!!! 

 

I would make sure you ask how much can be transferred without a HP when you call. 

WF Home Projects Visa $8500 / Towpath CU Visa $7000 / Chase Freedom Visa $5500 / Cap 1 QS Visa Sig $5000 / Barclaycard Ring MC $5000 / GE Lowes $5000 / Citi Best Buy MC $4250 / Barclaycard Rewards Visa $4000 / BFG CU Visa $3500 / Citi Sears$3000 / WF Visa $2000 / GE Walmart $1900 / GE Care Credit $1900 / GE Amazon $1400 / Cap 1 Kohls $1000 / GE Old Navy $800 / Webbank Fingerhut $700
Message 20 of 25
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