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Super Contributor
Posts: 8,164
Registered: ‎03-25-2007
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Chase and CL increases

Talked to a Chase rep today.  She said on most Chase cards they would consider a CL increase after 6 months, but much better to wait 12 months.  In both cases there would be a hard pull.  Also said a reduction in APR was possible, but much more likely after 12 months.
 
Can't vouch for the veracity, but I just report her words.
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Moderator Emeritus
Posts: 16,373
Registered: ‎03-12-2007
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Re: Chase and CL increases



MidnightVoice wrote:
Talked to a Chase rep today.  She said on most Chase cards they would consider a CL increase after 6 months, but much better to wait 12 months.  In both cases there would be a hard pull.  Also said a reduction in APR was possible, but much more likely after 12 months.
 
Can't vouch for the veracity, but I just report her words.


Oh great, they're behaving badly like CITI!:smileymad:
Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

Established Contributor
Posts: 578
Registered: ‎06-18-2007
0

Re: Chase and CL increases



MidnightVoice wrote:
Talked to a Chase rep today.  She said on most Chase cards they would consider a CL increase after 6 months, but much better to wait 12 months.  In both cases there would be a hard pull.  Also said a reduction in APR was possible, but much more likely after 12 months.
 
Can't vouch for the veracity, but I just report her words.


Midnight!
 
Where in the world have you been??!! I was this close to putting out an APB.  Then you showed up.  Good to have you back!!
Moderator Emeritus
Posts: 16,373
Registered: ‎03-12-2007
0

Re: Chase and CL increases



trinigal wrote:


MidnightVoice wrote:
Talked to a Chase rep today.  She said on most Chase cards they would consider a CL increase after 6 months, but much better to wait 12 months.  In both cases there would be a hard pull.  Also said a reduction in APR was possible, but much more likely after 12 months.
 
Can't vouch for the veracity, but I just report her words.


Midnight!
 
Where in the world have you been??!! I was this close to putting out an APB.  Then you showed up.  Good to have you back!!


Don't worry he's safe! He spends the summer months in his basement/storm cellar as he lives in tornado alley and while dangerous, climbs up to his attic to use his cingular phone to call EX and Chase.:smileyhappy:
Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

Super Contributor
Posts: 8,164
Registered: ‎03-25-2007
0

Re: Chase and CL increases



trinigal wrote:
 
Midnight!
 
Where in the world have you been??!! I was this close to putting out an APB.  Then you showed up.  Good to have you back!!


I had to work for a living for a change  :smileyvery-happy:
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Established Contributor
Posts: 578
Registered: ‎06-18-2007
0

Re: Chase and CL increases



fused111 wrote:

Don't worry he's safe! He spends the summer months in his basement/storm cellar as he lives in tornado alley and while dangerous, climbs up to his attic to use his cingular phone to call EX and Chase.:smileyhappy:


LMAO!!!
Established Contributor
Posts: 578
Registered: ‎06-18-2007
0

Re: Chase and CL increases



MidnightVoice wrote:

I had to work for a living for a change  :smileyvery-happy:


Work?!  What a pitiful excuse!!:smileyhappy:
Regular Contributor
Posts: 171
Registered: ‎05-18-2007
0

Re: Chase and CL increases

I talked to Chase yesterday about an interest rate reduction but I got the same answer. When I called Target Visa about a reduction they told me they couldn't at the time and would be sending a letter explaining why, the letter says they couldn't approve me for a credit limit increase. I asked for a rate reduction!! :smileysad:
For age and want, save while you may; no morning sun lasts a whole day.
--Benjamin Franklin

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