cancel
Showing results for 
Search instead for 
Did you mean: 

Chase Visa Singature automatic?

tag
Knowname
Established Member

Chase Visa Singature automatic?

I have a Chase Visa Signature for about 5 months and it had a 3,500 limit.  About 2 months ago, I applied for the Amazon Rewards and was approved for 2,000 limit.

I asked for an increase to 5,000 (so that I can get a signature card) on my Freedom and was declined.  I called recon line this morning and they shifted some credit limit from my Amazon to the Freedom.  So now I have 5000 limit on my freedom and 1000 limit on my Amazon. 

 

I want the Visa Signature so I am wondering is it automatic that if I request a signature card that they will give me one since I am at 5,000 limit or is it up to their discretion?

Discover It 5K (lowered it from 15.5K); AMEX BCP 5KGoal 800 (lowered from 15k) Amazon Store Card 1,600: 740: Current TU 789 EX 776 EQ 754
Message 1 of 26
25 REPLIES 25
Gunnar419
Valued Contributor

Re: Chase Visa Singature automatic?

Sorry, but it's their discretion, and in general (from reports around here) it seems that lenders don't often upgrade to Signature after CL increases, even when people ask nicely. Never hurts to try, though.

 

Message 2 of 26
longtimelurker
Epic Contributor

Re: Chase Visa Singature automatic?


@Gunnar419 wrote:

Sorry, but it's their discretion, and in general (from reports around here) it seems that lenders don't often upgrade to Signature after CL increases, even when people ask nicely. Never hurts to try, though.

 


So your Amazon is/was a sig?   And looks like you already have a BoA Visa Sig.   To the extent that Signature is useful (which in my experience is approx "never") isn't it enough to have one?

Message 3 of 26
Knowname
Established Member

Re: Chase Visa Singature automatic?

Good point.  one should be enough.  I plan on getting rid of the boa because i never use it. 

my amazon was a plat not a sig

I ask because I did a similar thing with boa hence the sig card......I had a 3500 credit line with boa 321 and I had 2000 on aaa plat plus visa....I asked boa to close out my aaa and add the balance to my 321card.....they did and after they added to the credit line, I asked them to convert it to sig and they did no questions asked.

Discover It 5K (lowered it from 15.5K); AMEX BCP 5KGoal 800 (lowered from 15k) Amazon Store Card 1,600: 740: Current TU 789 EX 776 EQ 754
Message 4 of 26
amakol
Regular Contributor

Re: Chase Visa Singature automatic?

I'll piggyback on this question. Upped my Chase Freedom from 3.5K to 5K 2 months ago. Don't have another Visa siggy although Citi may be - it reports as flexible spending credit card to the 3 bureaus but doesn't say signature on the card.

 

It seems like it's a struggle to get Chase to go from regular Visa to signature? Anyone have success before and what did you do? Secure message? Phone? Did you talk to a credit analyst?

EQ 740 FICO, 4 INQ | EX 736 FICO, 5 INQ | TU 745 FICO, 5 INQ | CL $175K | AAOA 4 Years
Message 5 of 26
lg8302ch
Senior Contributor

Re: Chase Visa Singature automatic?

Unfortunately it is not automatic ....the only card I do not have in a Siggy or WMC is Chase Freedom and Chase will not budge  Smiley Sad oh well ..can't have everything

Message 6 of 26
Josh2942
Established Contributor

Re: Chase Visa Singature automatic?

It's definitely not automatic. Chase most likely won't do it. Let your cards grow and than app for a signature card. Maybe a CS

Jaguar F-Type R Loan 50K Balance
Goldman Sachs Signature Loan $29,000 TU 750 score pulled at time of loan.
Student Loan Debt $1,500
Credit Card Debt $300 1>% of $166,700
FAKO Transunion 723 Equifax 744
What's in my wallet? Chase Sapphire Reserve, Chase Freedom Unlimited, and AMEX Blue for Business
Message 7 of 26
sexy_kitten7
Regular Contributor

Re: Chase Visa Singature automatic?

I upgraded my Freedom last year because I was in love with a boy and I wanted my card to match his (that ended disasterously, by the way).

 

It is rather difficult to do (it took me 7 phone calls and a letter to the EO).

Basically, the computer systen doesn't give the option to upgrade so front line CSRs cannot perform this activity.


However, the EO credit analyst was able to do the upgrade.

 

Good luck!


Quicksilver MC / Amazon.com / Better Balance Rewards Visa / Freedom / Dividend / Quicksilver Visa / Cash+ / Thank You Preferred / Blue Cash Everyday / Better Balance Rewards MC / BankAmericard HRC Cash Rewards / It / Arrival / FlexPerks / Platinum AAdvantage / MileagePlus Explorer / LifeMiles
Message 8 of 26
longtimelurker
Epic Contributor

Re: Chase Visa Singature automatic?


@sexy_kitten7 wrote:

I upgraded my Freedom last year because I was in love with a boy and I wanted my card to match his (that ended disasterously, by the way).

 

 


OK!  I hadn't thought of that as a reason for wanting an upgrade!   (Sorry that it ended badly, maybe it was a bad sign, he should have downgraded his card....)

Message 9 of 26
jna
New Contributor

Re: Chase Visa Singature automatic?

I requested through secure message to upgrade my freedom to visa signature then after a couple of hours i received a message that they have forwarded my request to an escalation specialist.The next day i received a missed  call from a woman and found out she was from Chase.I returned her call and she processed my request over the phone and it was approved.

Message 10 of 26
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.