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Chase freedom approved 1k recon?

Frequent Contributor

Chase freedom approved 1k recon?

Do I have a shot with a recon for higher limit? Reports clean besides a 8 year old BK, 3% UTI. Anyone have any success with limits recons? Or should I just be happy I'm in the door with chase ?
Current Fico's: TU 797 / EQ 785 / EX 775
Wallet: US Bank Business Edge $16,000 I Chase Ink $18,500 | US Bank Cash + Visa Sig $15,000 | Amex PRG NSL | Barclay Arrival+ WMC $10,000 l Amex BCP $20,000 | PenFed Visa Sig $9,000 | DCU Plat. $10,000 | Logix $10,000 | Discover $18,900 | WalMart $10,000 | Paypal MC $15,000 | Barclay NFL $3,400 | Cap 1 Quicksilver WMC $34,500 | J C Penny $5000 | Target $2000 13 Personal & 2 Business CreditCards
Message 1 of 11
10 REPLIES
Super Contributor

Re: Chase freedom approved 1k recon?

Any CLI recon now is another HP. It's best to just use the card for 6-12months, then take the inquiry hit and ask for a CLI.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 2 of 11
Mega Contributor

Re: Chase freedom approved 1k recon?


IECredit wrote:
Do I have a shot with a recon for higher limit? Reports clean besides a 8 year old BK, 3% UTI. Anyone have any success with limits recons? Or should I just be happy I'm in the door with chase ?

CONGRATS on your approval!!!

 

I would try a recon but beware it may cost you additional HP's.




EQ FICO 548 3/3/16
Message 3 of 11
Frequent Contributor

Re: Chase freedom approved 1k recon?

I'm going. Back in the garden ! 1k is ok I just wanted another Prime card in my wallet! Garden till Jan 2014😊
Current Fico's: TU 797 / EQ 785 / EX 775
Wallet: US Bank Business Edge $16,000 I Chase Ink $18,500 | US Bank Cash + Visa Sig $15,000 | Amex PRG NSL | Barclay Arrival+ WMC $10,000 l Amex BCP $20,000 | PenFed Visa Sig $9,000 | DCU Plat. $10,000 | Logix $10,000 | Discover $18,900 | WalMart $10,000 | Paypal MC $15,000 | Barclay NFL $3,400 | Cap 1 Quicksilver WMC $34,500 | J C Penny $5000 | Target $2000 13 Personal & 2 Business CreditCards
Message 4 of 11
Mega Contributor

Re: Chase freedom approved 1k recon?


IECredit wrote:
I'm going. Back in the garden ! 1k is ok I just wanted another Prime card in my wallet! Garden till Jan 2014😊

Good decision!!! Smiley Happy

 

Chase will give auto luv for good use and payment history!




EQ FICO 548 3/3/16
Message 5 of 11
Valued Contributor

Re: Chase freedom approved 1k recon?

I used the EO back door listed on here when I got my freedom. Starting cl was 2k. When I call to activated, I told them that I might want to take advantage of 0% apr for bal transfer. They ask how much I am thinking to transfer, I said 1.5k They game me 3.7k using same hp when I app'd.

Did I mention that I have to recon for the 2k approval in the first place.

Edit: here is my thread http://ficoforums.myfico.com/t5/Credit-Cards/Applied-for-chase-freedom-again/td-p/1587276
2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 6 of 11
Senior Contributor

Re: Chase freedom approved 1k recon?


armbenderc wrote:
I used the EO back door listed on here when I got my freedom. Starting cl was 2k. When I call to activated, I told them that I might want to take advantage of 0% apr for bal transfer. They ask how much I am thinking to transfer, I said 1.5k They game me 3.7k using same hp when I app'd.

Did I mention that I have to recon for the 2k approval in the first place.

Edit: here is my thread http://ficoforums.myfico.com/t5/Credit-Cards/Applied-for-chase-freedom-again/td-p/1587276

While the above situation may have proven successful in this case, it is not always 100% successful.  Chase constantly reviews their internal policies, especially since the EO channel is primarily reserved as a last resort to resolve escalated matters.  Not something typical when someone grumbles about a small CL granted during the normal course of approval.  Hence, alternatives do exist for folks who prefer to weigh their reconsideration efforts through the U/W channels.

The use of the same HP is very rare.  Since the option is always fluid to obtain additional credit, Chase (or any lender for that matter) still reserves the right to HP, in some cases an alternate CBR - still considered permissible purpose for additional unsecured credit.

Message 7 of 11
Established Contributor

Re: Chase freedom approved 1k recon?

Yeah I tried to Recon my Freedom immedately after I was approved and the CSr said it would be a hard pull. I hung up and called back and the new guy siad it would be a HP as well.

Last App March 23, 2015. Gardening until November 25, 2015
Current Score: 766 EX 734 EQ 780 TU 6/30/2015Starting Score/Goal Score: 580s/780s across the board
Message 8 of 11
Regular Contributor

Re: Chase freedom approved 1k recon?

CONGRATS on your approval!!!

FICO scores:EQ- 723 (6/13), TU- 722 (6/13), EX- ?
My Wallet- AMEX BCE-17.5K, Chase Freedom-6k, Cap1- 5K, BMO Harris-5K, Wells Fargo-2K,
Store Cards-Lowes- 8K, Ashley Furniture-6K, American Furniture-2.5K,


Message 9 of 11
Senior Contributor

Re: Chase freedom approved 1k recon?

Congrats on your approval!  I would just keep it that way, use it and PIF and maybe you will get an auto CLI in a about 6 months. If not you can always ask for a CLI later with another HP. Enjoy it ...it is one of my favorite cards Smiley Happy

Message 10 of 11