Can you recon for a higher CLI with Chase Freedom and what grounds would be successful? (I've never reconned before).
How long before you can ask for a CLI?
I think they do another HP with recons but not sure. I know their CLI are HP's. I just got the Freedom card and I'm also interested in how the CLI increases and suggested frequency of requesting them should work.
I was planning on requesting one after refi (9 months).
For recons, I think it depends on why they gave you a lower CL. Whats on your report? How is your income? Be prepared to address any negatives. I had to recon Freedom for approval and my main negative was my cap1 auto loan. I had a full history of my consecutive payments to them since August last year printed out and next to me when I called. So when she said my last late with them was March I counter with the dates and amounts of my payments and said I was currently disputing the account with Cap1 directly as I didnt want to formally dispute the item.
Immediately after approval, call to recon the limit if you want or need more. I just recently helped one of my managers with his credit card choices. He wanted to move his debt to a 0% interest card. I recommended Chase Freedom. He got the instant approval but not enough to cover the entire transfer and leave a little utility room. I had him call the backdoor number immediately and they put in a few numbers then viola- instant 4K increase to the approval. YMMV but the worst that can happen is "NO CLi". No HP btw.
EX is now reporting an updated CL.
Could you please stop being so stubborn and start reporting my $5k credit limit so that Chase will like me more?
I could wait any longer. I did it. I applied online.
Instant approval: $5k
Now to do the garden for a very long time....
congrats, cli's with chase are indeed HP's.