Reply
Frequent Contributor
kc12286
Posts: 357
Registered: ‎07-31-2007

Re: EQ is 716!


calihlove75 wrote:

kc12286 wrote:

calihlove75 wrote:

kc12286 wrote:

calihlove75 wrote:

kc12286 wrote:

I have the Amazon Visa card from Chase, so it's not like the Amazon store card. I guess I could stand to lose some points with the HP.  I haven't had one since I applied for my MC card 6+ months ago.  I've seen some nice growth with my Discover card, received two auto CLIs now from them.  Haven't seen any growth with my MC, I'm going to see if I can do a PC to a different MC card, because I don't like the Platinum with the Extra Cash.


Back to the my Chase question, does anyone know what number to call? When I called the number on the back of my card there was no option from the auto menu.


I have the Amazon Chase Visa too and was given a small auto cli on my 4th or 5th statement.There is a list of backdoor numbers on this site.


I attempted to get a CLI by calling the number on the back of my card. I was declined for whatever reason, I was told I'd receive a letter in the mail explaining why. I've had the card since 2007, if not earlier. And I'm thinking the newer batch of cards are where people are seeing auto CLIs. I've never seen one and I've used it and paid it off, let a balance sit, paid it off and run it up again. I almost wonder if their system isn't like Best Buys was with the store cards,where if you applied during a certain period you would be stuck at a certain credit limit.  I'd almost like to cancel it and apply for a new one and see if I get a better credit limit, but I've built too much history with it at this point. I'll just use it for Amazon and gas because those are the highest return  when Discover isn't offering their 5%.


Don't bother will the regular number as they have no authority. Try these numbers. I would start with the credit analyst and then go the exec route if not satisfied. Since 2007 without a cli is ridiculous.

Chase: 888-245-0625 (Credit Analyst - Recons)

Chase: 888-622-7547 (Chase Executive Ofc. in IL)

 


Can I do that if I was already denied by the system? I could hear the person typing, though I have no way of knowing what they were doing. They said they pulled my report, though they couldn't (or wouldn't tell me) which one and I asked before he started what he'd be pulling, he laughed said he'd be pulling from any or all of the bureaus.


Yes, that what is what recon is for. You already took a hard pull. I would call that first number. I am thinking they will help you. If not call the exec.


Haha, I don't why I asked that. I've done recons for credit card apps, so it makes sense that you could recon a cli request. I'll give it a shot. I even told this person, because he asked the standard "are you happy with the card" question and I was honest. I said the card has not grown and I've had other cards grow, so if this one cannot then I won't be using it much longer, because it's becoming less useful.

 

I called Citi to ask for a PC and they immediately shot me down saying the card could not be changed, ever. But that I could apply for something else, I'll pass. I have 0% until Dec 2013, I'll pay it off by then and just sock it. Really disappointed they wouldn't do a PC, because those Citi Cash points are really useless.

6/9/2008-TransUnion-703
6/9/2008-Equifax-712
6/9/2008 Experian-635

2/16/2011 Transunion - 675
3/11/2011 Equifax - 688
5/13/2011 Equifax - 704
5/28/2011 Equifax - 704
5/28/2011 Transunion - 724
Frequent Contributor
kc12286
Posts: 357
Registered: ‎07-31-2007

Re: EQ is 716! Update!


calihlove75 wrote:

kc12286 wrote:

calihlove75 wrote:

kc12286 wrote:

calihlove75 wrote:

kc12286 wrote:

I have the Amazon Visa card from Chase, so it's not like the Amazon store card. I guess I could stand to lose some points with the HP.  I haven't had one since I applied for my MC card 6+ months ago.  I've seen some nice growth with my Discover card, received two auto CLIs now from them.  Haven't seen any growth with my MC, I'm going to see if I can do a PC to a different MC card, because I don't like the Platinum with the Extra Cash.


Back to the my Chase question, does anyone know what number to call? When I called the number on the back of my card there was no option from the auto menu.


I have the Amazon Chase Visa too and was given a small auto cli on my 4th or 5th statement.There is a list of backdoor numbers on this site.


I attempted to get a CLI by calling the number on the back of my card. I was declined for whatever reason, I was told I'd receive a letter in the mail explaining why. I've had the card since 2007, if not earlier. And I'm thinking the newer batch of cards are where people are seeing auto CLIs. I've never seen one and I've used it and paid it off, let a balance sit, paid it off and run it up again. I almost wonder if their system isn't like Best Buys was with the store cards,where if you applied during a certain period you would be stuck at a certain credit limit.  I'd almost like to cancel it and apply for a new one and see if I get a better credit limit, but I've built too much history with it at this point. I'll just use it for Amazon and gas because those are the highest return  when Discover isn't offering their 5%.


Don't bother will the regular number as they have no authority. Try these numbers. I would start with the credit analyst and then go the exec route if not satisfied. Since 2007 without a cli is ridiculous.

Chase: 888-245-0625 (Credit Analyst - Recons)

Chase: 888-622-7547 (Chase Executive Ofc. in IL)

 


Can I do that if I was already denied by the system? I could hear the person typing, though I have no way of knowing what they were doing. They said they pulled my report, though they couldn't (or wouldn't tell me) which one and I asked before he started what he'd be pulling, he laughed said he'd be pulling from any or all of the bureaus.


Yes, that what is what recon is for. You already took a hard pull. I would call that first number. I am thinking they will help you. If not call the exec.


Thank you so much for the advice. I called the first number you listed and after an inquiry I was able to get an approval. I asked for a $500 increase to bring my limit to $2500, I figured I shouldn't push my luck.

6/9/2008-TransUnion-703
6/9/2008-Equifax-712
6/9/2008 Experian-635

2/16/2011 Transunion - 675
3/11/2011 Equifax - 688
5/13/2011 Equifax - 704
5/28/2011 Equifax - 704
5/28/2011 Transunion - 724
Established Contributor
calihlove75
Posts: 786
Registered: ‎05-16-2012

Re: EQ is 716! Update!

Congrats! I would have asked for more if it were me but I know that feeling of staying on the safe side. I hate calling those numbers..I get so nervous!! Congrats again.

100% Ficos: EX 753, TU 743, Walmart TU fico 749, EQ 739 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $12,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1350
Frequent Contributor
kc12286
Posts: 357
Registered: ‎07-31-2007

Re: EQ is 716!

I've never asked for one for this card, which is why I was a little surprised I got turned down earlier today. But my balance is also high again, which the analyst didn't ask about. He asked about balances across my cards, which I explained. So I didn't want to push my luck. In 4-6 months I'll ask for another increase.
6/9/2008-TransUnion-703
6/9/2008-Equifax-712
6/9/2008 Experian-635

2/16/2011 Transunion - 675
3/11/2011 Equifax - 688
5/13/2011 Equifax - 704
5/28/2011 Equifax - 704
5/28/2011 Transunion - 724

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+