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Chase united card Instant Approval 20K limit

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Anonymous
Not applicable

Chase united card Instant Approval 20K limit

My DW applied for the chase united mileage explorer card last week and it was an instant approval showing $5K limit.

 

Got the card today and to our suprise the limit is $20K, which matches her USAA world card limit.

 

Cant believe chase gave her that limit considering they gave her just  $400 on the slate card barely 10 months back and denied her for a freedom 2 times.

 

I dont get their underwriting policies.

 

We are very excited and it was a 65k targetted offer....so she went for it.

 

Pulled TU with a 768 fico AAOA 4.2 years

 

current cards

Slate $400

USAA $20,000

Citi $5500

Amex BLUE $6000 and DELTA $2000

Message 1 of 11
10 REPLIES 10
Cadillac-XTS
Established Contributor

Re: Chase united card Instant Approval 20K limit

Wow. Im speechless. Congrats

Message 2 of 11
Dustink
Valued Contributor

Re: Chase united card Instant Approval 20K limit




@Anonymous wrote:

My DW applied for the chase united mileage explorer card last week and it was an instant approval showing $5K limit.

 

Got the card today and to our suprise the limit is $20K, which matches her USAA world card limit.

 

Cant believe chase gave her that limit considering they gave her just  $400 on the slate card barely 10 months back and denied her for a freedom 2 times.

 

I dont get their underwriting policies.

 

We are very excited and it was a 65k targetted offer....so she went for it.

 

Pulled TU with a 768 fico AAOA 4.2 years

 

current cards

Slate $400

USAA $20,000

Citi $5500

Amex BLUE $6000 and DELTA $2000


I just talked to Chase today. The rep made a comment that they like to match the highest limit card on file. In my case I had a 5k limit on my report, so they gave me a 5k limit on the freedom card. I am sure this is not fact, but it may give you some idea of their underwriting theory.

A lot can change in 10 months.

 

Congrats.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 3 of 11
LS2982
Mega Contributor

Re: Chase united card Instant Approval 20K limit

Wow......

 

CONGRATS!!!




EQ FICO 548 3/3/16
Message 4 of 11
Walt_K
Senior Contributor

Re: Chase united card Instant Approval 20K limit


@Dustink wrote:



@Anonymous wrote:

My DW applied for the chase united mileage explorer card last week and it was an instant approval showing $5K limit.

 

Got the card today and to our suprise the limit is $20K, which matches her USAA world card limit.

 

Cant believe chase gave her that limit considering they gave her just  $400 on the slate card barely 10 months back and denied her for a freedom 2 times.

 

I dont get their underwriting policies.

 

We are very excited and it was a 65k targetted offer....so she went for it.

 

Pulled TU with a 768 fico AAOA 4.2 years

 

current cards

Slate $400

USAA $20,000

Citi $5500

Amex BLUE $6000 and DELTA $2000


I just talked to Chase today. The rep made a comment that they like to match the highest limit card on file. In my case I had a 5k limit on my report, so they gave me a 5k limit on the freedom card. I am sure this is not fact, but it may give you some idea of their underwriting theory.

A lot can change in 10 months.

 

Congrats.

 


Can depend on a lot of factors.  Chase recently approved me for Freedom for $5500.  My highest at the time was my Amex SPG at $27K.  I had a previous card that Chase had to shut down when I fell behind a few years back.  I caught up before it was charged off and paid the balance in full, so they let me back in but they weren't rushing to match my highest limit.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


Take the FICO Fitness Challenge
Message 5 of 11
beautybrainsbooty
Regular Contributor

Re: Chase united card Instant Approval 20K limit

WOOT!!! this is awesome.

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013
Message 6 of 11
shakalaka
Established Contributor

Re: Chase united card Instant Approval 20K limit

Wow, Congrats. I guess DW made some kind of happydance. Smiley Very Happy



FICO (TU/EX/EQ): 773/766/778 - Total CL 255+K
Message 7 of 11
EandK23
Regular Contributor

Re: Chase united card Instant Approval 20K limit

That's awesome!  Congrats! 

Message 8 of 11
djrez4
Established Contributor

Re: Chase united card Instant Approval 20K limit


@Dustink wrote:

I just talked to Chase today. The rep made a comment that they like to match the highest limit card on file. In my case I had a 5k limit on my report, so they gave me a 5k limit on the freedom card. I am sure this is not fact, but it may give you some idea of their underwriting theory.

 

 

 I really hope Chase surprises me by matching my Discover card when the CSP arrives this week.

Message 9 of 11
djrez4
Established Contributor

Re: Chase united card Instant Approval 20K limit

Not sure how my response got stuck in the quote there.  I blame the iPad.

 

EDIT: fixed my post above.  Disregard.

Message 10 of 11
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