topic Re: Will Chase do this? in Credit Cards

Will Chase do this?

ray8806 — Mon, 12 Jan 2015 01:49:21 GMT

Next early June, I plan to apply for th CSP after my 180 3x CLI from AmEx kicks in (hopefully of course). That'll put my AmEx at 18K so I'll have a "comparable limit" for Chase to approve me for the CSP.

Do you think with the same HP they can look at lowering my APR on my Freedom/increasing that limit?

I plan to actually go into my local Chase branch for all of this so I can talk to the rep. But have any of you guys had any luck with Chase doing a few things for you off one HP?

Re: Will Chase do this?

Anonymous — Mon, 12 Jan 2015 01:51:12 GMT

@ray8806 wrote:
Next early June, I plan to apply for th CSP after my 180 3x CLI from AmEx kicks in (hopefully of course). That'll put my AmEx at 18K so I'll have a "comparable limit" for Chase to approve me for the CSP.

Do you think with the same HP they can look at lowering my APR on my Freedom/increasing that limit?

I plan to actually go into my local Chase branch for all of this so I can talk to the rep. But have any of you guys had any luck with Chase doing a few things for you off one HP?

No, they will want a new HP.

Don't waste your time with Chase and CLI HP's.

Re: Will Chase do this?

Anonymous — Mon, 12 Jan 2015 01:55:12 GMT

I'm not an expert by any means, but from spending days and days worth of time reading on here this is what I have come to figure out about Chase. If you have a decent improvement on your credit profile the easiest way to get a CLI with Chase would be to just open another card and get a high starting limit, then move your CLs around between cards to whatever fits your needs. So if you want a CSP with a big limit, get a CSP and Slate at the same time. Once you get the cards, move the Slate limit to the CSP, BAM! CLI on the CSP.

Re: Will Chase do this?

ray8806 — Mon, 12 Jan 2015 02:04:14 GMT

I've also considered seeing if they'll just use the same HP to apply for another Freedom and close the one I have. So I can get a lower APR and a higher limit after transferring what I bave over. Thoughts?

Re: Will Chase do this?

Anonymous — Mon, 12 Jan 2015 02:06:17 GMT

@ray8806 wrote:
I've also considered seeing if they'll just use the same HP to apply for another Freedom and close the one I have. So I can get a lower APR and a higher limit after transferring what I bave over. Thoughts?

Well you can take the guessing out of this question in about 60 seconds. Google "Chase Pre-qualify" and do the prequalification. If you are pre-qual'ed for the Freedom it will show you what APR you would likely get approved for. It isn't a bad idea just depends on what they are willing to extend you.

Re: Will Chase do this?

Anonymous — Mon, 12 Jan 2015 02:21:37 GMT

@ray8806 wrote:
I've also considered seeing if they'll just use the same HP to apply for another Freedom and close the one I have. So I can get a lower APR and a higher limit after transferring what I bave over. Thoughts?

Wouldn't bother with it.

Re: Will Chase do this?

ddemari — Mon, 12 Jan 2015 22:20:34 GMT

A friend of mine had a Freedom for 3 years with good payment history and heavy usage. She wanted to try and get a CLI to bump her from 4k to at least the 5k mark for Visa Signature. Chase gave her a 200 CLI per her requesting it.

Re: Will Chase do this?

Anonymous — Tue, 13 Jan 2015 02:18:34 GMT

@ddemari wrote:
A friend of mine had a Freedom for 3 years with good payment history and heavy usage. She wanted to try and get a CLI to bump her from 4k to at least the 5k mark for Visa Signature. Chase gave her a 200 CLI per her requesting it.

See..This is what I mean.

Re: Will Chase do this?

Imperfectfuture — Tue, 13 Jan 2015 02:37:02 GMT

@Anonymous wrote:
@ddemari wrote:
A friend of mine had a Freedom for 3 years with good payment history and heavy usage. She wanted to try and get a CLI to bump her from 4k to at least the 5k mark for Visa Signature. Chase gave her a 200 CLI per her requesting it.
See..This is what I mean.

Just four more times,

Re: Will Chase do this?

elim — Tue, 13 Jan 2015 03:07:45 GMT

@Imperfectfuture wrote:
@Anonymous wrote:
@ddemari wrote:
A friend of mine had a Freedom for 3 years with good payment history and heavy usage. She wanted to try and get a CLI to bump her from 4k to at least the 5k mark for Visa Signature. Chase gave her a 200 CLI per her requesting it.
See..This is what I mean.
Just four more times,

lol yep

Re: Will Chase do this?

Anonymous — Tue, 13 Jan 2015 06:57:13 GMT

I've had my Chase account for 9 years I started with Chase Cash rewards but then Chase changed mine to freedom been sitting on my 15k limit for past 6 years
Two month ago I decided to get Chase CL above 20k so had to use HP(Experian) I requested 30k but I realistically expected them to only match my Wells Fargo at 25k surprisingly Chase approved me for all 30k and it became my highest limit

Re: Will Chase do this?

takeshi74 — Tue, 13 Jan 2015 14:04:30 GMT

@ray8806 wrote:
Do you think with the same HP they can look at lowering my APR on my Freedom/increasing that limit?

Can? Sure. Will? Probably not. You won't find out for certain without asking though.

Re: Will Chase do this?

noobody — Tue, 13 Jan 2015 23:53:11 GMT

why anyone want a freedom for 30K is beyond me, it is a low capped card with 1500 per quarter, any amount you charge after that is waste.
I called chase to CLD my 2 freedoms from 5 digits to 3k and 2K because that is more than I need.
Everybody is different, I have other uncapped high limit card to cover large purchase is also be considered.

Re: Will Chase do this?

Anonymous — Wed, 14 Jan 2015 01:21:12 GMT

The concept of a voluntary CLD unless its to open a new card is baffling.

Re: Will Chase do this?

noobody — Wed, 14 Jan 2015 02:12:33 GMT

I was plan to apply Ritz, like to get a instant approval without recon, and I knew I am approach the internal limit with chase.

Re: Will Chase do this?

Anonymous — Wed, 14 Jan 2015 04:13:20 GMT

I kinda understand... But why two Freedoms? Low APR?

Re: Will Chase do this?

FinStar — Wed, 14 Jan 2015 04:25:01 GMT

@Anonymous wrote:
The concept of a voluntary CLD unless its to open a new card is baffling.

True, I only had to do this on one ocassion (for exposure purposes) with SYNCB (all those auto-CLIs on most cards). But once my Dillard's AMEX ($13K) CL shifted to WF, then there was more breathing room

Re: Will Chase do this?

noobody — Wed, 14 Jan 2015 06:30:30 GMT

Double the CAP! One is I applied for, another one was old wamu card been PCed several times.

Re: Will Chase do this?

lg8302ch — Wed, 14 Jan 2015 07:23:10 GMT

@ddemari wrote:
A friend of mine had a Freedom for 3 years with good payment history and heavy usage. She wanted to try and get a CLI to bump her from 4k to at least the 5k mark for Visa Signature. Chase gave her a 200 CLI per her requesting it.

This sound familiar to me. Chase would have given me a CLI of 500$ on my 4K Freedom with a douple HP on EQ and EX ... I declined and applied for the Marriott instead and got 16K and just moved 1K over to Freedom to get a 5K Freedom. Chase loves to issue new cards and is the most stingy with CLIs at least for me. APR reduction is a mission impossilbe ...they agressivly send BT offer on Freedom but never consider lowering regular APR. Chase is weird

Re: Will Chase do this?

DueDilligence — Wed, 14 Jan 2015 07:50:05 GMT

Quick question, what are the requirements or quide lines to get a credit limit of say 5K+. Is it monthly income that plays an important factor and if so how much would one have to make to expect a limit of that kind at the very least?

Thanks to all who can give some input on this.