topic Re: Chase freedom cli in Credit Card Applications

Chase freedom cli

Anonymous — Sat, 10 Jan 2015 22:18:08 GMT

Should I give it a shot or wait a couple months ?! My last inquiry was last month on a bofa cli , last year alone I got 4 new cards my TU fico is 709 ...

Re: Chase freedom cli

Anonymous — Sat, 10 Jan 2015 22:38:25 GMT

@Anonymous wrote:
Should I give it a shot or wait a couple months ?! My last inquiry was last month on a bofa cli , last year alone I got 4 new cards my TU fico is 709 ...

Chase, who uses EX here in Texas, gave me a card with a high credit line even though at the time I had 6 inquiries spread over 18 months and two new cards within the previous six months - Experian FICO of 760+. That situation would certainly be a tough call.

Re: Chase freedom cli

Anonymous — Sat, 10 Jan 2015 23:56:46 GMT

@Anonymous wrote:
Should I give it a shot or wait a couple months ?! My last inquiry was last month on a bofa cli , last year alone I got 4 new cards my TU fico is 709 ...

Is it your lowest limit card? Do you have a certain CL you're aiming for? Chances are if it's generally close to the limit of your other cards I doubt you'll get an increase. Also you didn't say how long you've had this card for

Re: Chase freedom cli

DiabolicallyRandom — Sun, 11 Jan 2015 07:22:35 GMT

What is your current limit and how long have you had the card? Utilization? Whats your AAOA? Do you have any negatives on your reports? From what I have read, Chase can be funny with CLI's.

Re: Chase freedom cli

Anonymous — Sun, 11 Jan 2015 12:22:44 GMT

Officialy on my credit report ive had this card for 2 yrs the CL is only 1,000... I do have a couple of other cards with higher limits chase slate 2k ... Bofa cash 4.5k and chase united 5k im trying to aim for 5k on freedom though

Re: Chase freedom cli

kdm31091 — Sun, 11 Jan 2015 15:53:25 GMT

Even if they won't give you a CLI (which they aren't known for being fantastic about doing), you can always move CL's around and consolidate accounts. For example, if you have no use for the Slate anymore, you could move over that 2k and close the account. If you have used the Slate semi recently they will only let you move 1500, but it's better than nothing. It's better to have it on a useful card IMO.

Re: Chase freedom cli

Anonymous — Mon, 12 Jan 2015 23:52:43 GMT

Actually what I was thinking is using the slate as leverage to open a CSP if they don't want to approve me for the 5k min they can always move those 2k from the slate and call it a day