Reply
Valued Member
Posts: 48
Registered: ‎12-02-2012
0

Itchy Trigger Finger....HELP!!!!!

So here's my dilemma. I've had my Chase card since 2005 when they were WAMU. The card started out at $2000 and I accidentally went over by about $20 and it took me a few months to PIF. As soon as I did they dropped me to $250. I have been at $250 for over 5 years. I use the card for gas but because the limit is so low I can't do much with it. I called the recon number to see what they could do and they said they would have to do a hard pull. There in lies the problem. I want to do a 3x cli increase on my Amex in Feb and I'm wondering if the new inquiry will affect that. Any insight would be greatly appreciated.

 

On a side note, I did receive a $2000 CLI from Capital One after emailing the CEO so for all you Crap One people there is still hope!!!!!!!

Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
0

Re: Itchy Trigger Finger....HELP!!!!!

What's more important to you, the AMEX CLI or the potential escalation CLI from Chase?

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Itchy Trigger Finger....HELP!!!!!

From what I've read, people have had better luck with getting new card and transferring limits.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Member
Posts: 48
Registered: ‎12-02-2012
0

Re: Itchy Trigger Finger....HELP!!!!!

Sigh.....I guess I'll hold off till after I request the 3x CLI. I hate waiting....

Valued Contributor
Posts: 1,405
Registered: ‎01-14-2009
0

Re: Itchy Trigger Finger....HELP!!!!!


Duncanrr wrote:
From what I've read, people have had better luck with getting new card and transferring limits.

YMMV

 

The initial credit limit on my Chase Freedom Visa Signature card was $5,700. After a hard inquiry for a credit limit increase request, got bumped to $18,000.

Epic Contributor
Posts: 25,137
Registered: ‎10-23-2007
0

Re: Itchy Trigger Finger....HELP!!!!!

I have heard more about getting new card from Chase and getting instant huge lines like $10k-$15k and some even over that with other Chase Cards sitting at $500-$1000 for years and years with no sucess of movement.  As posted above, some have had luck... but I think if I was going to take the INQ I rather get a new account!!

Especially now with this new little "Pre-Approval" thing has come up... I wish I could get my partner to do it... (he shows an offer) me and 2 other friends show nothing so to me looks like it works! lol

 

OH and about the Amex... No I don't think they will care one bit!!

Fico Scores: EQ- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
95 Cards and Counting :smileytongue:
Established Contributor
Posts: 909
Registered: ‎12-25-2010
0

Re: Itchy Trigger Finger....HELP!!!!!


Creditaddict wrote:

I have heard more about getting new card from Chase and getting instant huge lines like $10k-$15k and some even over that with other Chase Cards sitting at $500-$1000 for years and years with no sucess of movement.  As posted above, some have had luck... but I think if I was going to take the INQ I rather get a new account!!

Especially now with this new little "Pre-Approval" thing has come up... I wish I could get my partner to do it... (he shows an offer) me and 2 other friends show nothing so to me looks like it works! lol

 

OH and about the Amex... No I don't think they will care one bit!!


+1..BTW,, tried the Pre-Approval and was offered the Slate and the Freedom...


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Itchy Trigger Finger....HELP!!!!!


Duncanrr wrote:
From what I've read, people have had better luck with getting new card and transferring limits.

This, but YMMV. :smileyvery-happy:

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.