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Hi all,
My Chase Freedom Visa was recently upgraded to a Visa Signature card. I understand that my limit is now considered "soft" and that I may be allowed to charge over my limit on a case-by-case basis. I am wondering what the consensus is on how this card reports to the bureaus. I was told by the Executive Office that the limit DOES report, however I am unsure if any balance will be factored into utilization.
Do any of you have experience with this card specifically and how it reports?
It will both report a limit and factor into your utilization
@SwampSystems wrote:Hi all,
My Chase Freedom Visa was recently upgraded to a Visa Signature card. I understand that my limit is now considered "soft" and that I may be allowed to charge over my limit on a case-by-case basis. I am wondering what the consensus is on how this card reports to the bureaus. I was told by the Executive Office that the limit DOES report, however I am unsure if any balance will be factored into utilization.
Do any of you have experience with this card specifically and how it reports?
+1 My card reports both ways also.
How long until they PC'ed your card to a signature? They told me I had to wait till I've had the card for 1 year...?
@Meltdownblitz wrote:How long until they PC'ed your card to a signature? They told me I had to wait till I've had the card for 1 year...?
Approximately 20 months. Only recently got a CLI from $1500 to $4500 through recon and then bumped up to $5000 signature through the executive office.
EDIT: If it helps, my justification for the increase was that I wanted to ditch Capital One and transfer all balances to my Freedom card. Chase was sending me 12-month 0% BT checks every 2 weeks that I couldn't really take advantage of with such a small tradeline. Manual review during recon showed that such an increase would be sufficient to transfer all balances.
How long did you have the card? Was it HP?
@trumpet-205 wrote:How long did you have the card? Was it HP?
Approximately 20 months. Found a HP on EQ and some SPs on EX and TU. I believe the HP was from an initial request (denied) and the SPs were from recon and the exec office.