Most lenders I have dealt with have not even questioned the hard pulls. Chase has not said anything about inquiries or new accounts whenever they do a hard pull. As long as everything on the report looks fine (low utility, no negatives, or at least no recent ones) you sould be fine. I say give them a high number so that they can counter you with something.
I have been going back and forth on a thought and cant come to a definite decision lol. Back in june i got a chase freedom card and got stuck with a cumbersome 600cl. At the tine i was just happy to be in with chase. Now i been using the heck out of the card and have grown tired of making several multiple payments a month. I would really like to increase my limit but its gonna require a HP of coarse. I already have opened several new accts this year and have an obscene amount of inqs on EQ, which chase pulls for me. Now my plan is just to garden for the next year, so should i just swallow the one last hp and then head to the garden? Looking for your guys thoughts?
Addt info: AAoA is 2 1/2 years, EQ fico is right under 700. Now have 2 accts over 5k and 2 at $3500 and typically run 2-3k through my AMEX ZYNC.
Yeah kinda tough decision. But i think I'd do it.
Whether it chase requires a HP or not, I wouldn't know. But i think that it would behoove chase to increase your CL if they want to remain competitive for your business. Your other CLs are way better than chase and they can cleary see that you spend well beyond the 600 CL every month and have to send in payment after payment.
If it were me, i'd be tired too of constantly sending in multiple payments. And i'd tell chase that too. Then if they denied by CLI, then I'd think about using my other cards than the headache of sending in mulitple payments.
Freedom was my first card non-secured card, and I got it with a $1k CL intially. About a year after I got the card, I requested a CLI, and they brought me up to $3k.
I didn't have many inquiries (I think only two EQ in the past year at the time), but my credit score was right around where yours is - around 690 I believe. My highest CL at the time was $2,500, and I'm not even sure that had reported to my credit report yet at the time I requested the CLI. My AAoA was around the same as yours as well. I say go for it.
i always go in assuming it will be a HP with anyone other than GE
Words from the wise! +1