Credit Cards

[A_Madel]

Any details on when the card is eligle for a CLI? Haven't been able to find any details but, I'm curious. Creating my plan of attack for next year

[bribro]

FYI: http://ficoforums.myfico.com/t5/Credit-Cards/Soft-Hard-Credit-Limits-on-JPM-Palladium-amp-Select-Car...

[A_Madel]

Thanx! Both your post and my card arrived at the same time.

[Koop10010]

I'm not sure Chase establishes a firm time table for credit limit increases.  Customer-initiated requests are almost always hard pulls though, so you'll want to use with caution.  I would try waiting atleast 6 months; also, some people have gotten auto-increases lately, even after only a few months of account opening.  So it might be worth waiting just for that.  Also, you can go above your credit limit as long as you pay-in-full the amount over and you won't have to worry about utilization since that card is a hidden tradeline.

[JPmorgan]

Called in and got bumped up from 15k to 25k.  I have a small balance on my other Chase card of $589.  Just paid that off, and will wait till the payment clears.  The rep told me that I can combine both limits to my Palladium for a total of 37.5k.  Whoa...

2 years ago, I couldn't open a library card under my name.  Needless to say, hard work, persistence, and the info you get my myfico really helped me navigate through the uncertain credit waters.

Thanks so much!