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Made a sizable payment on CC only to have them lower limit keeping me near maxed out.

Member

Re: Made a sizable payment on CC only to have them lower limit keeping me near maxed out.


shols44 wrote:

Someone posted a similar thread with Discover balance chasing yesterday. He called backdoor, had a convo and had full limit restored instantly. Now, I dont know how receptive chase will be, but what do you have to loose?

 

I'd try a credit analyst/upper level customer relations chat. 


How do I get to talk to upper level customer relations?  

Member

Re: Made a sizable payment on CC only to have them lower limit keeping me near maxed out.

FYI for anyone reading this in the future this is what I did....

 

I called number on the back of the card, asked for a manager.  The customer service manager heard my story, but said he needed to transfer me to "lending" -- after the transfer I spoke with someone, explained that my spike in utilization was because of a wedding and honeymoon (I got married in April) and emphasized that I have never made a late payment, and that I was attempting to pay down my balances by making the near $1000 extra payment.   She put me on hold for a few minues, and came back and reinstated the original limit.

 

Yay!  Thanks for the advice!

 

 

Senior Contributor

Re: Made a sizable payment on CC only to have them lower limit keeping me near maxed out.

Guys, my boss' scores are in the 800's.  He had a little used chase account that I pay through the company.  One day it was $25k, the next day it was dropped to 5k.  You just don't know.....call them up and work them.