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Just signed into my chase account online...had 9k csp limit and 8k freedom limit and now both are at 4500????? what gives? I have a balance but I used freedom heavily on a vacation recently. Not sure what I can do to fix this, hopefully something.
@s_rob7488 wrote:Just signed into my chase account online...had 9k csp limit and 8k freedom limit and now both are at 4500????? what gives? I have a balance but I used freedom heavily on a vacation recently. Not sure what I can do to fix this, hopefully something.
What's your utilization on your other cards?
Sorry to hear that. Has anything changed recently on your credit reports? Any negative items, high balances on other cards, excessive inquiries, or many new accounts opened? I would definitely be calling to find out why they made that decision, and recon if possible. Maybe get the notice first and call.
Gah. I hope that doesn't happen to me. Maybe I will pay my balance tonight.
Here is list of bal/CL per card
bank america $5900/$7500
chase free $4222/???
chase sapphire pref $3934/???
citi diamond pref $3254/$6100
citi hilton $1961/$3500
disc more $1779/$4250
amex delta $997/$3400
best buy $888/$1500
usaa $90/$7000
wf $0/$7100
To say the least I am very flustered at the moment...haven't ever had any issues with chase I have carried a balance on the csp since last month was going to BT it to citi diamond pref just to have one or 2 cards reporting higher balance and use my amex delta for normal charges and PIF like I have been. The limit was cut in half on each...
@s_rob7488 wrote:Here is list of bal/CL per card
bank america $5900/$7500
chase free $4222/???
chase sapphire pref $3934/???
citi diamond pref $3254/$6100
citi hilton $1961/$3500
disc more $1779/$4250
amex delta $997/$3400
best buy $888/$1500
usaa $90/$7000
wf $0/$7100
To say the least I am very flustered at the moment...haven't ever had any issues with chase I have carried a balance on the csp since last month was going to BT it to citi diamond pref just to have one or 2 cards reporting higher balance and use my amex delta for normal charges and PIF like I have been. The limit was cut in half on each...
How long have you had the Chase accounts? Looks like it was time for a review and they saw all the balances you were carrying. IMHO ....my heart is truly sorry
If you were carrying all those other balances aside from the Freedom and then charged 3-4K without making a large dent in the other cards, you spooked Chase. To a bank that is going to indicate high risk behavior. They likely think you can't handle your finances. I agree with the above post, you should re-evaluate your current situation and start making a significant dent in those cards before other lenders start worrying. (And your 8K-ish CLD will not go unnoticed.)