topic Chase in Credit Cards

Chase

tendertan — Wed, 29 Apr 2015 15:47:37 GMT

I have been gardening for awhile, well since December for most of my cards and the last App was February Amex. Thanks to my Forum on here, yes I already did my 3xCLI on Amex! So I have a Chase Freedom which I got in November14 and Dillards card, also let me throw in Quicksilver One. Do anyone know if I can do an upgrade without an hardpull? Maybe its called a Product Change. I haven't recieved any CLI either with these cards, is it time and will that be a HP or SP?

Re: Chase

Anonymous — Wed, 29 Apr 2015 15:50:17 GMT

Chase requires a year before you can PC. Chase rarely gives SP CLIs unless it is auto.

Re: Chase

chalupaman — Wed, 29 Apr 2015 15:49:37 GMT

@tendertan wrote:
I have been gardening for awhile, well since December for most of my cards and the last App was February Amex. Thanks to my Forum on here, yes I already did my 3xCLI on Amex! So I have a Chase Freedom which I got in November14 and Dillards card, also let me throw in Quicksilver One. Do anyone know if I can do an upgrade without an hardpull? Maybe its called a Product Change. I haven't recieved any CLI either with these cards, is it time and will that be a HP or SP?

It's a HP with chase. I think your're better off waiting for an auto CLI or if you want another Chase card. It's how they work.

Re: Chase

tendertan — Wed, 29 Apr 2015 16:24:19 GMT

Thank you on the response about Chase, will defintely wait then. I was thinking about Dillard's to see if I can get the Amex card. Quicksilver One whats the next step for that card?

Re: Chase

Anonymous — Wed, 29 Apr 2015 17:48:09 GMT

Keep checking the modify features section on Cap one, try to get the qs regular, no af version. Had both by accident, closed qs1 because they wouldn't pc me to venture 1

Re: Chase

ddemari — Wed, 29 Apr 2015 21:01:21 GMT

I would love to see the modify my features option work on capitalone website. I have pressed that button several times over the past 4 years, never an option. But luckily, I should check back because they routinely put offers on this account, ya right. lol

Re: Chase

Anonymous — Wed, 29 Apr 2015 21:03:39 GMT

Agree re: Modify Features. I can't help but feel that the button isn't actually programmed to do anything.

I have offers on my account fairly frequently when doing online chat... why doesn't Modify Features show them to me?!

Re: Chase

Anonymous — Thu, 30 Apr 2015 04:56:02 GMT

True upgraded my platinum to a QS via chat. False hope, makes the world go round lol

Re: Chase

Anonymous — Thu, 30 Apr 2015 05:30:21 GMT

@Anonymous wrote:
True upgraded my platinum to a QS via chat. False hope, makes the world go round lol

I just did the same thing. The guy notifed me thru chat that this exact offer was currently available. I had no idea. I was just trying it on a whim fafter reading some threads on here. I wasn't eligible for a CLI tho since they upgraded my platinum to a $4500 limit in December. I've had this card over 7 years so it was a good limit and APR (13.9%) for the platinum but at least i was able to gain the rewards.

I'm kinda feeling like a slumlord tho after learning more about cc's from this site. Less than a year ago i got a Credit One card (for a dumb reason) with a limit of $1500. They've since raised it to $1600. Evidentally thats a pretty high limit for them, but with a 23.9% APR it will be paid off and closed within a week

Re: Chase

Anonymous — Thu, 30 Apr 2015 05:34:20 GMT

I've had my Chase Freedom since Nov. & no auto cli. I'm going to app for a Sapphire in Nov./Dec.

Re: Chase

joedtx — Thu, 30 Apr 2015 07:00:14 GMT

@Anonymous wrote:
I've had my Chase Freedom since Nov. & no auto cli. I'm going to app for a Sapphire in Nov./Dec.

Keep an eye for their preapproval page 1st....chances are you will pull up prior to Nov/Dec.

Re: Chase

lg8302ch — Thu, 30 Apr 2015 07:33:43 GMT

For Chase if you are talking about upgrading to the Signature card it requires a 5K CL and at least 13 months old. As others have mentioned CLIs with Chase are HPs. If you have 5K already then you will need to wait until December 15 to request a Siggy and the Siggy is no HP.

Re: Chase

Imperfectfuture — Thu, 30 Apr 2015 09:28:54 GMT

@lg8302ch wrote:
For Chase if you are talking about upgrading to the Signature card it requires a 5K CL and at least 13 months old. As others have mentioned CLIs with Chase are HPs. If you have 5K already then you will need to wait until December 15 to request a Siggy and the Siggy is no HP.

Yeah (on the upgrade). Will try a HP cli on amazon when app for Sallie Mae.

Re: Chase

takeshi74 — Thu, 30 Apr 2015 13:30:42 GMT

@tendertan wrote:
I haven't recieved any CLI either with these cards, is it time and will that be a HP or SP?

No creditor simply exchanges CLI's for time. The limit and CLI you qualify for is based on your credit and income. If you initiate the request it is an HP with Chase.

@tendertan wrote:
Do anyone know if I can do an upgrade without an hardpull? Maybe its called a Product Change.

What do you specifically mean? What are you looking to do? A PC is when you switch to a different product (i.e. a card other than the Freedom).

Re: Chase

tendertan — Fri, 01 May 2015 00:31:20 GMT

My question was answered, I was considering a PC, but I'm not sold on letting Freedom go, I really like Freedom. Gathering info and just letting things marinate, so I can come to a rock solid conculsion once I start making moves.

Re: Chase

daniki — Fri, 01 May 2015 02:52:07 GMT

You know what's funny about my Chase Freedom, I've had the card since 1999. Not sure when it was changed to the "Freedom", but I had a 10k limit back then. In 2007 I made a late payment and they CLD to 6900 (I believe it was maxed out around 6900 too). Then after I paid it off, I believe in 2008, they CLD to 5000. It's been 7 years and I've had the same limit. I don't know if they will ever CLI! I always look for special offers or auto CLI but it's never happened. My scores are quite good now too. Kind of frustrating really because I have 2 other cards over 5k.