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Established Member
stealthc63
Posts: 34
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
Jutz
Posts: 1,216
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 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
Valued Contributor
Duncanrr
Posts: 2,843
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

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Established Member
stealthc63
Posts: 34
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
kevinjjc
Posts: 1,331
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
Creditaddict
Posts: 20,890
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- 682 DCU, TU 696 Walmart, EX 695 NASA(10-6-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Established Contributor
JonStur
Posts: 905
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
armbenderc
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%

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