Credit Cards

[dpechal]

You are all right, I could of handled it alot better. The military has made me short tempered.

Thanks mods for censoring my already censored post.

[dude11]

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injustifiiable wrote:

Eeeck! That could've been handled a lot better, IMO.

I'd have been more interested in finding out WHY it was only $500...that's what credit analysts are for. But hey, that's just me.

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Well the CSR he/she spoke to may not have been an actual credit analyst that would have authority to increase the credit limit or whatever. It may have been the typical front line CSR that can only help you with making payments or balance issues, etc.

From what the OP has listed it looks like only two cards from USAA have decent limits. All the others aren't really large so may be the reason he only got $500. But anyway.

[injustifiiable]

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dude11 wrote:

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injustifiiable wrote:

Eeeck! That could've been handled a lot better, IMO.

I'd have been more interested in finding out WHY it was only $500...that's what credit analysts are for. But hey, that's just me.

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Well the CSR he/she spoke to may not have been an actual credit analyst that would have authority to increase the credit limit or whatever. It may have been the typical front line CSR that can only help you with making payments or balance issues, etc.

From what the OP has listed it looks like only two cards from USAA have decent limits. All the others aren't really large so may be the reason he only got $500. But anyway.

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Yeah I get that...that's why I would ask to speak to someone or call the backdoor. But anyway.

[TM82]

Outside of your USAA cards the rest of your profile looks weak.  USAA / NFCU, etc tend to give out higher than normal limits.  I've seen people who have weaker credit profiles (i.e. scores in the mid 600's, lates, etc) get $10,000 lines from NFCU. 

[drkaje]

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TM82 wrote:

Outside of your USAA cards the rest of your profile looks weak.  USAA / NFCU, etc tend to give out higher than normal limits.  I've seen people who have weaker credit profiles (i.e. scores in the mid 600's, lates, etc) get $10,000 lines from NFCU. 

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Wish I could have come up with such a nice way to state that upon first seeing the thread.

A few organizations are incredibly liberal with limits and give people the impression that their credit is suddenly perfect. I mean really; how many times have we read post where someone with a secured or rebuilder card is giddy about getting a 10K limit from USAA or NCFU? I'd be curious to see what love they show people with perfect credit and high income.

[RyVision]

dpechal;

You probably have read  Chase can be picky and their system a bit quirky on approvals and CLs (then again you may not have read about that unless you lurked reading long before registering).  I understand  your frustration, esp knowing Chase like I do LOL.

What I don't understand, is why bother with Chase before joining and taking advantage of how NFCU treats those eligible to join?  If you're still active, USAA and NFCU are probably you best combo to have and use for nearly all banking.  If it's a higher CL you're after, NFCU is most likely to grant it.  Look into them when you have time if  you're not with them yet and are active military (or at least have a way in).

[rootpooty]

are you still active military? are you able to join nfcu?

[psychoinhell]

I would not have let the low limit bother me.  It gets your foot in with Chase and then you could just SD the card.  Later, 6-12 months down the road call for a CLI and when they mention that you have not used the card, then you could say, "what am I going to buy with it?  the limit is so low that I have to be concerned about going over limit for monthly expenses and I cannot make any major purchases on it."

The limit did suck!  Yet what were the other factors that the puter took into account?  Without knowing Chase's criteria it is hard to guess at the rhyme or reason for the limit. 

**puts on a motherly voice**   "Enjoy your Chase card... remember their are people starving for it in subprime land"

[learnin113]

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lithium78 wrote:

I've never had a good experience with Chase.  Other people swear by them, but I've found them to be extremely difficult to deal with.  There are other fish in the sea.  You don't need them.

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+1 i concur

[CreditCrusader]

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psychoinhell wrote:

I would not have let the low limit bother me.  It gets your foot in with Chase and then you could just SD the card.  Later, 6-12 months down the road call for a CLI and when they mention that you have not used the card, then you could say, "what am I going to buy with it?  the limit is so low that I have to be concerned about going over limit for monthly expenses and I cannot make any major purchases on it."

The limit did suck!  Yet what were the other factors that the puter took into account?  Without knowing Chase's criteria it is hard to guess at the rhyme or reason for the limit. 

**puts on a motherly voice**   "Enjoy your Chase card... remember their are people starving for it in subprime land"

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+1...take me, for instance...700 FICO scores, but because of a BK 2+ years discharged, I couldn't get Chase to touch me if I tried. I'd give anything to get in with a prime lender...well, a lender more prime than Barclay, anyway