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Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: I need yoy guys to help me decide

Thanks for all the replies. I knew with it being chase, it would be a hp. It's just for 2 hp''s, I feel they could have done better than 900 cli. My lowest cl is my capital one account at 3500. I thought they could at least match that.


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: I need yoy guys to help me decide

Well im hapl.


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: I need yoy guys to help me decide

Well that was weird lol. I was saying im happy to report that Chase and I are back on good term. Called this morning and spoke to a Real chase credit analyst. Apparently when you call on the weekend, there aren't any true chase analyst working. You just get some "credit analyst" in a call center that can half-ass read a credit report, as i experienced Saturday. But anyways the rep this morning went over everything with me and took plenty of time to look at my report. She put me on hold for about 5 minutes and came back and said congratulations justin, i have increased your CL to 5k! I was extremely happy and repeatedly thanked the rep. Couldn't be happier.


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: I need yoy guys to help me decide

Oh and just to add some info for the forum, the rep stated she didn't have a problem raising my cl to 5k because i had comparable lines. Im assuming she was referencing my citi at 6k and Walmart at 5k and the highest balance on my AMEX at 5.2k. So i guess chase absolutely wants other creditors to give higher cl's before they do. She did say i need to slow down with the inquirys and opening new accts. I have about 21inqs and 8 new accounts. Also it took me calling 3 different credit analyst before i got results, so if at first you dont succeeded, keep on trying. Especially when it comes to great recon lines like Chase and Barclay's have.


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Moderator Emeritus
tinuviel
Posts: 4,875
Registered: ‎11-02-2010
0

Re: I need yoy guys to help me decide


gettnthere wrote:
Well that was weird lol. I was saying im happy to report that Chase and I are back on good term. Called this morning and spoke to a Real chase credit analyst. Apparently when you call on the weekend, there aren't any true chase analyst working. You just get some "credit analyst" in a call center that can half-ass read a credit report, as i experienced Saturday. But anyways the rep this morning went over everything with me and took plenty of time to look at my report. She put me on hold for about 5 minutes and came back and said congratulations justin, i have increased your CL to 5k! I was extremely happy and repeatedly thanked the rep. Couldn't be happier.

That's great -- congrats! So happy to hear that it worked out for you. :smileyhappy:

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: I need yoy guys to help me decide

That's awesome! Congrats!

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: I need yoy guys to help me decide

Thanks guys!


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012
0

Re: I need yoy guys to help me decide

Great job - your persistence paid off.  I'd say an increase to $5000 was worth the second HP. :smileyhappy:


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Valued Contributor
rootpooty
Posts: 1,772
Registered: ‎10-28-2011
0

Re: I need yoy guys to help me decide

congrats on your success.  glad to know your persistance paid off.  could you pm the # you used to call?

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: I need yoy guys to help me decide

@rootpooty, no problem! PM Sent!


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:

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