Tell me why not to request CLI on Chase!

Creditaddict · ‎03-17-2015

All 3 of my accounts are all over 6 months old this month and of course received no auto CLI and I kind of want to ask for a CLI on either Marriott or AARP but the end result is I want the credit on AARP.

I have:

$7500 AARP

$5000 Marriott

$5000 Amazon

I think about 2 or so months ago I moved CL from the original approvals to make it the way above... original before moving CL was:

$9000 Marriott opened first

$4000 Amazon opened 2nd

$4500 AARP opened 3rd

All just over 30 days apart from each other.

I have recently been denied ink because of to many new accounts so I don't think applying for anything new is the right option here currently.

Thought?

FinStar · ‎03-17-2015

@Creditaddict wrote:
All 3 of my accounts are all over 6 months old this month and of course received no auto CLI and I kind of want to ask for a CLI on either Marriott or AARP but the end result is I want the credit on AARP.
I have:
$7500 AARP
$5000 Marriott
$5000 Amazon

I think about 2 or so months ago I moved CL from the original approvals to make it the way above... original before moving CL was:
$9000 Marriott opened first
$4000 Amazon opened 2nd
$4500 AARP opened 3rd

All just over 30 days apart from each other.

I have recently been denied ink because of to many new accounts so I don't think applying for anything new is the right option here currently.

Thought?

IMO, you'll incur the HP and you'll be very, very frustrated and upset (nothing surprising ) But, since you would favor obtaining something in exchange for HP (even by reconsideration standards) it may not be very significant (provided they approve CLI) to outweigh the HP. I may be wrong. Of course, you stand to gain a better CLI with Comenity or SYNCB (or others) than Chase. If Ink provided what I would consider the "Ray Charles" effect, then I think it's fair to "see" that the outcome might be the same? Wasn't your Ink application not long ago? Or, was that your partner's?

BarryNTexas · ‎03-17-2015

Are you prequal'd for the slate or csp? If you know HP is coming why grab one of them and then consolidate CLs to AARP? Just a thought.

Creditaddict · ‎03-17-2015

I have never pre-qualedbfor chase.
My ink app was lay month... To many accounts in last year.:. But I feel majority are over 6 months now.

FinStar · ‎03-17-2015

@Creditaddict wrote:
I have never pre-qualedbfor chase.
My ink app was lay month... To many accounts in last year.:. But I feel majority are over 6 months now.

Well, you can always give it a shot!

lg8302ch · ‎03-17-2015

The reason I would never do it again with Chase is because on my Freedom I tried after 6 months and got 500$ with a double pull on EX and EQ !! So I applied for a new card (Marriott) and guess what ...I got 16K..moved over 1K to Freedom and had my 5K CL. I really hate Chase as my Freedom card is a nightmare. Low CL and high APR but I am fully happy with CSP and Marriott. (Freedom was my first Chase card)