I need yoy guys to help me decide

[gettnthere]

Hey all,

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.

[navigatethis12]

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.

[webhopper]

Its worth a shot. Nothing ventured nothing gained. If they cant do it; call the backdoor number or executive office number.

[ccnewcc]

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@gettnthere wrote:
Hey all,

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.

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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.

[Omri]

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.

[gettnthere]

Damn chase is really starting to piss me off! I decided to go ahead and call in for the increase and the system flat out denied me. So I decided to call an analyst to see what could be done and that was also flat out denied.why? Bc too many inquires and accounts. I was determined not time give up so I called underwriting again and spoke to a different rep . This time the rep actually let me explain everything and she said she now understood better and was going to put in an increase for me. I said ok sounds good. 2minutes later she comes back and said she got me a 900 dollar increase. I wasn't too thrilled but decided it was better than nothing. This brought my cl to a whooping1500. So I thanked the rep and hung up . Then today get an alert notifying me of a new alert from EX. The original pull was on EQ so I immediately knew they double pulled me....AGAIN. now I'm just really irritated cause my EX score is excellent with only 4hp"s . The rep should have told me that she was gonna pull an additional CR. I think that since they also pulled EX that I should have gotten more than just a 900 cli. I have no negatives and have been heavily using my freedom with multiple monthly payments and always pif. Am I crazy here guys? What should I do now?

[gettnthere]

I'm on a tablet and see that some of my wording was changed around. The original request was pulled through EQ, and then today I get an alert from EX as well, telling me there's also a new pull there as well as one on EQ too.

[CruzImperial]

That doesn't sound so good. 2hps and little increase... If they don't fix it up, I'd stop using their card.

[Repo-ed]

i always go in assuming it will be a HP with anyone other than GE

[Shogun]

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@Repo-ed wrote:
i always go in assuming it will be a HP with anyone other than GE

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Words from the wise!   +1