Reply
Established Member
Posts: 15
Registered: ‎05-11-2008
0

Should I try to CLI my 6 month old Sony Chase even though......

 

Hello fellow ficoholics. I just want to hear your wise opinions if, should I try to CLI my 6 month old Sony Chase even though I have recently opened a Chase Platinum Visa with 6,000 cl. Will Chase deny my request to CLI my 1500cl Sony Chase to a 4,000 or greater credit line because of my new Chase Platinum Visa?

 

 

 

 

 

 

 

My Progress since finding MyFico.

I have just about 2yrs + 2 months of established credit history, my average age is 1yr.

 

My Cards in order i got them.

 Credit One       450cl     2yrs + 2 months - - Was my first card

BoA Amex        1500cl    1yr + 2 months - -- Was a partially secured visa 99/500.

Cap 1              750cl    8 months  ----------It just will not grow with me:smileysad:

WaMu             1500cl   8 months ---------- My first large credit limit over $500cl.

Chase Sony     1500cl   6 months ---------- First rewards card, happy about CL.

Chase Plt. Visa 6000cl  not reported yet ----Offered at a Chase branch, after I spent 30 min for

                                                            banking representative to speak to me about

                                                            a debit card pin change.

 

   The Chase Platinum Visa(6000cl) has boosted my morale and self worth on how the CC issuers should view me. I have already tried to increase my credit line with my BoA Amex, previously $1,000cl, BoA only gave me a $500cl increase, better than nothing. No success with my Cap 1. Plus I do not know how to approach WaMu($1,500cl) for a CLI, because I know they do not do customer initiated CLI's. My goal is to acquire the Penfed rewards CC by March of 09.

 

Thank You guys for any response!!!!

 

 

11/03/2008 - 670 - Transunion______10/13/2008 - 655 - Equifax
Valued Contributor
Posts: 1,185
Registered: ‎03-04-2008

Re: Should I try to CLI my 6 month old Sony Chase even though......


jjmite wrote:

 

Hello fellow ficoholics. I just want to hear your wise opinions if, should I try to CLI my 6 month old Sony Chase even though I have recently opened a Chase Platinum Visa with 6,000 cl. Will Chase deny my request to CLI my 1500cl Sony Chase to a 4,000 or greater credit line because of my new Chase Platinum Visa?

 

 

 

 

 

 

 

My Progress since finding MyFico.

I have just about 2yrs + 2 months of established credit history, my average age is 1yr.

 

My Cards in order i got them.

 Credit One       450cl     2yrs + 2 months - - Was my first card

BoA Amex        1500cl    1yr + 2 months - -- Was a partially secured visa 99/500.

Cap 1              750cl    8 months  ----------It just will not grow with me:smileysad:

WaMu             1500cl   8 months ---------- My first large credit limit over $500cl.

Chase Sony     1500cl   6 months ---------- First rewards card, happy about CL.

Chase Plt. Visa 6000cl  not reported yet ----Offered at a Chase branch, after I spent 30 min for

                                                            banking representative to speak to me about

                                                            a debit card pin change.

 

   The Chase Platinum Visa(6000cl) has boosted my morale and self worth on how the CC issuers should view me. I have already tried to increase my credit line with my BoA Amex, previously $1,000cl, BoA only gave me a $500cl increase, better than nothing. No success with my Cap 1. Plus I do not know how to approach WaMu($1,500cl) for a CLI, because I know they do not do customer initiated CLI's. My goal is to acquire the Penfed rewards CC by March of 09.

 

Thank You guys for any response!!!!

 

 


If you want to do that stop doing anything that will open a new account or generate an INQ NOW! Rule of thumb with PenFed is no new credit/no INQ's within six months prior to app'ing. Asking Chase for a CLI will result in a hard inquiry.

Established Member
Posts: 15
Registered: ‎05-11-2008
0

Re: Should I try to CLI my 6 month old Sony Chase even though......

Thank you for your response jmbfl, I know I have to and I have constrained myself from opening any new accounts since my penfed denial in May or June. I only opened the new Chase platinum because its large credit limit (to me), I did not go apping for it, it was offered to me at a Chase branch. Currently my justification for increasing my credit limits is that by the time I reapply for a Penfed Plat. rewards, they will see I can handle larger credit limits than my $1500 Wamu, BoA, and Chase Sony. So I am just worried Chase wont cli on my Sony card (1500), because of its age of six months, plus my new Chase Platinum. Either way if I was to be harded by Chase it would most likely appear on my Experian or Transunion.
11/03/2008 - 670 - Transunion______10/13/2008 - 655 - Equifax
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.