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Established Contributor
laboi_22
Posts: 634
Registered: ‎07-07-2011

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
Frequent Contributor
Henchman21
Posts: 349
Registered: ‎02-16-2013

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

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

 

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
Established Contributor
ObeyJohnny12
Posts: 591
Registered: ‎05-05-2012

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. |
Established Contributor
scenery_guy
Posts: 952
Registered: ‎07-24-2012

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. 

Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

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| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Contributor
leoment
Posts: 225
Registered: ‎11-25-2012

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


Building the perfect card portfolio, one app at a time.
Available credit: $60+k
Discover TU 1/14: 776
Quizzle EQ: 1/28/14: 789
Planned apps: NONE! Gardening indefinitely! - Gold Spade 1/26/14
Established Contributor
laboi_22
Posts: 634
Registered: ‎07-07-2011

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
Moderator
09Lexie
Posts: 24,456
Registered: ‎09-13-2012

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

Established Contributor
laboi_22
Posts: 634
Registered: ‎07-07-2011

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
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

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

CONGRATS!!!

Awesome CL!!!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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