- Chase freedom CLI (increased to a minimum of $5,000 and then converted to a visa signature card)
- Fidelity Amex (2% rewards)
- BCP (noting appears to beat 6% on groceries and 3% gas isn’t too bad either)
I am asking on behalf of someone else, but they would like to know which order these should go in for the best results? Looks to me like all three might pull Experian but hopefully the high fico will make the computers overlook that.
On a side note: Can anyone confirm that chase will offer a counter offer if they can’t grant the initial request?
@CarnegieS wrote:- Chase freedom CLI (increased to a minimum of $5,000 and then converted to a visa signature card)
- Fidelity Amex (2% rewards)
- BCP (noting appears to beat 6% on groceries and 3% gas isn’t too bad either)
I am asking on behalf of someone else, but they would like to know which order these should go in for the best results? Looks to me like all three might pull Experian but hopefully the high fico will make the computers overlook that.
On a side note: Can anyone confirm that chase will offer a counter offer if they can’t grant the initial request?
I would do:
1. Fidelity
2. Chase CLI
3. BCP
I would do Fidelity first because you want to get the best possible CL. Next, work on the Chase CLI (can't answer your question about the counter offer). Finally, I would do BCP last because chances are you'll be approved with a high FICO, Amex is not particularly INQ sensitive AND even if you start with a relatively low limit, you have the 3x- 61 day soft pull CLI.
@Dw4250 wrote:
@CarnegieS wrote:- Chase freedom CLI (increased to a minimum of $5,000 and then converted to a visa signature card)
- Fidelity Amex (2% rewards)
- BCP (noting appears to beat 6% on groceries and 3% gas isn’t too bad either)
I am asking on behalf of someone else, but they would like to know which order these should go in for the best results? Looks to me like all three might pull Experian but hopefully the high fico will make the computers overlook that.
On a side note: Can anyone confirm that chase will offer a counter offer if they can’t grant the initial request?
I would do:
1. Fidelity
2. Chase CLI
3. BCP
I would do Fidelity first because you want to get the best possible CL. Next, work on the Chase CLI (can't answer your question about the counter offer). Finally, I would do BCP last because chances are you'll be approved with a high FICO, Amex is not particularly INQ sensitive AND even if you start with a relatively low limit, you have the 3x- 61 day soft pull CLI.
I like the logic there! Thanks for the help.
Now if someone can confirm/deny if chase counters offers that seems to be the only question remaining.
@Creditaddict wrote:
@CarnegieS wrote:
@Dw4250 wrote:
@CarnegieS wrote:- Chase freedom CLI (increased to a minimum of $5,000 and then converted to a visa signature card)
- Fidelity Amex (2% rewards)
- BCP (noting appears to beat 6% on groceries and 3% gas isn’t too bad either)
I am asking on behalf of someone else, but they would like to know which order these should go in for the best results? Looks to me like all three might pull Experian but hopefully the high fico will make the computers overlook that.
On a side note: Can anyone confirm that chase will offer a counter offer if they can’t grant the initial request?
I would do:
1. Fidelity
2. Chase CLI
3. BCP
I would do Fidelity first because you want to get the best possible CL. Next, work on the Chase CLI (can't answer your question about the counter offer). Finally, I would do BCP last because chances are you'll be approved with a high FICO, Amex is not particularly INQ sensitive AND even if you start with a relatively low limit, you have the 3x- 61 day soft pull CLI.
I like the logic there! Thanks for the help.
Now if someone can confirm/deny if chase counters offers that seems to be the only question remaining.
call directly into underwriting and they will counter - ask for $20k
Thanks for the help as always. I checked the backdoor thread but not sure which number you are speaking about. Is “Chase: 888-245-0625 (Credit Analyst - Recons)" the correct one to pick? Thanks in advance!