Chase Sapphire Card - For excellent credit?

[LS2982]

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@rtw wrote:

Altayar,

Maybe you should pick up a card from a credit union they seem to be pretty generous with limits.

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I agree, this would put you over that 5K hump more than likely.

[CreditPacMan]

Any suggestions for a good national credit union?

[LS2982]

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@altayar wrote:

Any suggestions for a good national credit union?

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What state do you live in?

[CreditPacMan]

I live in Washington State.

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@LS2982 wrote:

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@altayar wrote:

Any suggestions for a good national credit union?

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What state do you live in?

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[rtw]

I've seen a lot of chatter about Alliant on these boards.

[CreditPacMan]

They don't have it in WA I believe?

[rtw]

I believe you can gain access by joining one of their member organizations.

[CreditPacMan]

Sounds like BECU is a good one in WA

EDIT: How long after joining a credit union do you think I should apply for their credit card?

[rtw]

I joined PSECU back in March and set up a direct deposit of $100 a month in a checking acount and then applied and was approved for their Visa/PSL in July. I got a 15K CL. My highest to date. It reports as 2separate credit lines. Comes in handy forutilization purposes.

[bmd0224]

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@altayar wrote:

So for those who had good experiences with this card, I have some questions.

What makes this card so special in terms of the rewards? I mean compared to the Freedom or Citi Forward.

Also, knowing that this card starts at $5000 of CL ... does that make it hard to get? Do you have to have limits close to $5000 at the time of application to be approved for that limit?

How about AAoA ?

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This card is great because all travel and ALL going out to eat purcahses from fast food to fine dining is 2x the points. Also you can transfer the reward points at a 1:1 ratio.

This card is a Visa Signature so I assume that means the CL has to be at least 5K out of the gates. I can tell you that I was approved for the Chase United Mileage Plus Explorer card first with a CL of 8K. My highest CL when Chase pulled EQ for me was my Dillards store card which was 3100. Some people say you have to have at least a card with 5K to get higher limits but that was not the case with me. My AAoA was 6 years and Utilization was around 8%. When I APP'ed for the Chase Sapphire Preferred it said Pending Further Review; I immediately called the Recon line listed in this forum and the credit analyst informed me that I was approved for a CL of 5K. I have since swapped some credit from the MPE Card to the CSP as I will be using the CSP for alot of my purchases.

So basically I don't believe you need to have a card with a high limit reporting to get a card with a high limit. But as folks say YMMV. Hope this helps.