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Chase is a Strange Bank but I'm happy!

Established Contributor

Chase is a Strange Bank but I'm happy!

My history with Chase is somewhat tumultuous. I use to hate them because they wouldn't approve me for a Freedom when everyone else was getting one and when I had an AMEX among others. Then they finally approved me and gave me a 1,000 CL on the Freedom. I barley used it. Called and got a CLI to 3,000 finally then another CLI to 5,000 finally. Meanwhile all other cards were way ahead like BofA etc. I even forgot that I had the Freedom card since all my others were giving me nice limits. I then decided to apply for the CSP approved Visa Signature 5,700. Weird limit but I took it. Using the hell out of it to get the bonus. Less than a month later I decide to apply for the Chase United because I really like the idea of transferring bonus points to United from CSP. I have a hub here. I wanted this card to give me the benefits like priority boarding, free checked bags etc. bam approved today with a CLI of 12,000 WOW are you serious? Why so high? Strange bank. Ill take it though lol
Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Message 1 of 22
21 REPLIES
Frequent Contributor

Re: Chase is a Strange Bank but I'm happy!

United Explorer is my goal, card-wise. One day, a long long time away... Smiley Happy

 

Congrats! That's a nice limit.

2/16/13 Scores EX: 594, TU:513, EQ:563 -- Cap One Secured: $200, Kay's: $400

GOAL #1: 625 -- CHECK!

3/31/15 Scores TU: 621 -- Cap One Secured: $750, Kay's: $900, CareCredit: $1000, Aerie $350, Fingerhut $1350

Goal #2: A travel card. REC ME!
Message 2 of 22
Established Contributor

Re: Chase is a Strange Bank but I'm happy!

Congrats on the approval!
I hear Chase is one of those banks that would give you a new card with a high CL, than to increase the CL on an existing card. Nice cl btw.
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Message 3 of 22
Established Contributor

Re: Chase is a Strange Bank but I'm happy!

Your results are typical of my results with Chase. Each new card gets a better limit than the one before. Choose wisely and keep applying for new cards every 6 months and eventually that will ask you to close the smallest account and transfer the limit (less $500) to the new card you want. 

Message 4 of 22
Senior Contributor

Re: Chase is a Strange Bank but I'm happy!

Nice!!!!! Can't wait to get my next Chase card!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 5 of 22
Frequent Contributor

Re: Chase is a Strange Bank but I'm happy!


ObeyJohnny12 wrote:
Congrats on the approval!
I hear Chase is one of those banks that would give you a new card with a high CL, than to increase the CL on an existing card. Nice cl btw.

This reason alone is why I don't want to open any new accounts with Chase.  I have a Freedom card that I'll use solely to gain extra points/cashback, but I won't open another card with them - no reason why a company would rather me close and re-open for better terms, especially if my credit has done nothing but improve since opening the account.

/slightlybitter

800+ across all three (via FAKOs) has been achieved! Current goal - Get down to 6 cards in total - sitting with 8 currently.
Message 6 of 22
Established Contributor

Re: Chase is a Strange Bank but I'm happy!

Yep thanks everyone. Chase seems to have a way about them that can make bitterness an appropriate emotion. Now I find that emotion bittersweet!
Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Message 7 of 22
Moderator Emerita

Re: Chase is a Strange Bank but I'm happy!

Message 8 of 22
Established Contributor

Re: Chase is a Strange Bank but I'm happy!

Thanks!
Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Message 9 of 22
Mega Contributor

Re: Chase is a Strange Bank but I'm happy!

CONGRATS!!!

Awesome CL!!!



EQ FICO 548 3/3/16
Message 10 of 22