topic Re: Amazon chase Credit limit from 4000 to 19K in Credit Cards

Amazon chase Credit limit from 4000 to 19K

tithelady — Sat, 16 Dec 2023 17:59:03 GMT

Rebuilding all things financial since loss of spouse. Good pension and SS.
Been very diligent about credit use.
Total cl pretty low 5100.
2 cards trying not to get anymore inquires

1 inquiry 21 ( fallen off)

2 in 22 from Amazon Chase. I put in wrong SS#

CS ranges from 740-769

Amazon Chase just upped credit limit from 4k to 19k (what?????😂😂😂😂) with no notice other than my online statement after 1 year.

Questions.

I feel good about how far I've come

is this normal ?

Secondly since ss # was my mistake , can I request them to remove one of the inquiries???

Re: Amazon chase Credit limit from 4000 to 19K

youngandcreditwrthy — Sat, 16 Dec 2023 18:02:20 GMT

I would absolutely request the CRA to remove the second inquiry. It wasn't authorized and it ws their logistical mistake.

you can find out how to contact chases credit department or call the cra directly and explain to them.

Re: Amazon chase Credit limit from 4000 to 19K

GZG — Sat, 16 Dec 2023 19:09:05 GMT

@youngandcreditwrthy wrote:
I would absolutely request the CRA to remove the second inquiry. It wasn't authorized and it ws their logistical mistake.

you can find out how to contact chases credit department or call the cra directly and explain to them.

I wouldn't go directly to the CRA, I would be speaking with Chase

I would be nervous that the second inquiry is still tied to the account somehow, so getting it removed through the CRA would cause Chase to close the open account as well

particularly because the inquiry is almost if not a year old now

Re: Amazon chase Credit limit from 4000 to 19K

coldfusion — Sat, 16 Dec 2023 19:19:12 GMT

The CRA wouldn't unilaterally remove the inquiry because OP has not claimed fraud or filed any related report with law enforcement; to wit OP admits it was due to their own error.

It's possible that Chase would consider having the inquiry made associated with the wrong SSN# withdrawn as a goodwill gesture even though the inquiry was due to OP's admitted error but they aren't required to do it and given that the inquiry dates from 2022 if it isn't already unscorable due to being more than 12 months old it will be within 2 weeks. 1 inquiry isn't a dealbreaker so best IMO to let the sleeping dog lie.

Re: Amazon chase Credit limit from 4000 to 19K

GZG — Sat, 16 Dec 2023 19:27:33 GMT

@coldfusion wrote:
The CRA wouldn't unilaterally remove the inquiry because OP has not claimed fraud or filed any related report with law enforcement; to wit OP admits it was due to their own error.

It's possible that Chase would consider having the inquiry made associated with the wrong SSN# withdrawn as a goodwill gesture even though the inquiry was due to OP's admitted error but they aren't required to do it and given that the inquiry dates from 2022 if it isn't already unscorable due to being more than 12 months old it will be within 2 weeks. 1 inquiry isn't a dealbreaker so best IMO to let the sleeping dog lie.

how do you apply an inquiry to the credit report of SSN: 111-11-1111

when the user gave the SSN 111-12-1111?

Chase obviously figured out who it was with all of the other information they have, but it seems wrong that they would do that knowing they haven't provided the right information

agreed though, they should just let it sit, or maybe ask Chase to remove it

trying to go around Chase for getting it removed wouldn't end well, IMO