topic Re: Chase Freedom after Auto CLI on CSP in Credit Cards

Chase Freedom after Auto CLI on CSP

Anonymous — Sun, 12 Apr 2015 03:41:21 GMT

I got an auto cli from 5k to 10k on my CSP about a month ago. I really wanted the Freedom to go with my CSP. I applied today and only got approved for 2,000 at 22.9% APR. It will work as I'm just going to use for the bonus categories but it seems odd. Maybe I'm at my max exposure with Chase? Any thoughts would be appreciated.

Re: Chase Freedom after Auto CLI on CSP

Anonymous — Sun, 12 Apr 2015 03:59:01 GMT

@Anonymous wrote:
I got an auto cli from 5k to 10k on my CSP about a month ago. I really wanted the Freedom to go with my CSP. I applied today and only got approved for 2,000 at 22.9% APR. It will work as I'm just going to use for the bonus categories but it seems odd. Maybe I'm at my max exposure with Chase? Any thoughts would be appreciated.

Probably.. But you can call and ask. The freedom card itself has some of the lowest approval limits by chase. I have seen $400 approvals, $500 approvals etc... They probably just don't big limits with it..

Re: Chase Freedom after Auto CLI on CSP

Anonymous — Sun, 12 Apr 2015 04:03:02 GMT

I got the same approval and same APR in November but they had no problem giving me the Marriott. Chase is a strange one.

Re: Chase Freedom after Auto CLI on CSP

traveler2005 — Sun, 12 Apr 2015 04:09:31 GMT

@Anonymous wrote:
I got the same approval and same APR in November but they had no problem giving me the Marriott. Chase is a strange one.

The freedom is now my lowest limit chase card also. I started out with SWA 5000 and Disney premier 2500 that was increased to 5000, the I got my freedom at 4000, then CSP at 6000, and then AARP at 5,500, and My last chase card my Marriott at 11,000.

So I don't know if you ever really reach a total exprosure, I think its just the way you use and pay off your cards. I am sure credit score and income also plays a part too.

Chase is funny!!!!!!!

Re: Chase Freedom after Auto CLI on CSP

Anonymous — Sun, 12 Apr 2015 04:24:14 GMT

Hmmm interesting. Thank for the comments. I guess I'll just be angry in my own little world that they gave me my lowest limit to date

Re: Chase Freedom after Auto CLI on CSP

Anonymous — Sun, 12 Apr 2015 05:05:18 GMT

I have a high enough income and great scores but it didn't really start "using" my credit cards until this year. I'm assuming that's why I got the low limit with Chase.

Re: Chase Freedom after Auto CLI on CSP

Anonymous — Sun, 12 Apr 2015 05:07:11 GMT

Traveler, was your Disney Premier increase automatic or did you take a hard pull for it?

Re: Chase Freedom after Auto CLI on CSP

traveler2005 — Sun, 12 Apr 2015 05:11:44 GMT

My disney premier was an automatic increase I didn't request it. Nice suprise!!

Re: Chase Freedom after Auto CLI on CSP

Anonymous — Sun, 12 Apr 2015 05:13:12 GMT

They wanted me to take a hard pull today when I said I didn't have enough to put a whole trip on my card! No thanks I'll use my Marriott and Travel Rewards, lol.

Re: Chase Freedom after Auto CLI on CSP

traveler2005 — Sun, 12 Apr 2015 05:28:07 GMT

I hear you! LOL

Re: Chase Freedom after Auto CLI on CSP

Anonymous — Sun, 12 Apr 2015 05:47:38 GMT

Man I really wanted to Disney Premier and I applied same day as the Freedom and I guess they wanted to test the waters with me cause I got the Disney Visa. Scores were well over 700 I'll never understand. The 1% cashback is pretty much useless to me so that's why I don't use it.

Re: Chase Freedom after Auto CLI on CSP

traveler2005 — Sun, 12 Apr 2015 06:04:23 GMT

I got the 200 gift card after spending 500. I used it a disneyworld in feb and my points bought my DH and I dinner at the coral reef in epcot. Also got 10 off in gift shops and free photo with mickey. So it has come in handy. The increase I got was after we got back from Disneyworld. They must have liked the fact that I used it and rewarded me for it.

Re: Chase Freedom after Auto CLI on CSP

Anonymous — Sun, 12 Apr 2015 06:09:51 GMT

I have a crap ton of gift cards but I usually wait for a statement credit on one of my cards and buy one with it. In the process of planning a trip. But since I didn't get the credit line that I needed gonna have to use a combination of marriott, travel rewards, and freedom.

Re: Chase Freedom after Auto CLI on CSP

Anonymous — Sun, 12 Apr 2015 11:39:32 GMT

I am hoping to get some auto luv this year on either CSP or Freedom. Chase gave DW some auto luv about 18 months ago on her Disney card--->$5,000 to $7,500. She upgraded to Premier a couple weeks ago and did a CLI to $15,000. Also got $50 in Dream Rewards for the upgrade.

Re: Chase Freedom after Auto CLI on CSP

Anonymous — Sun, 12 Apr 2015 12:41:13 GMT

@Anonymous wrote:
Probably.. But you can call and ask. The freedom card itself has some of the lowest approval limits by chase. I have seen $400 approvals, $500 approvals etc... They probably just don't big limits with it..

That's because Freedom is an "entry level" card for Chase, so people with lower scores will be able to get it, but with low CL and maybe high APR. They do give higher limits