topic Re: chase really?? in Credit Cards

chase really??

Anonymous — Thu, 09 Feb 2012 01:10:41 GMT

My DW has perfect credit history, she has a citi forward $4000 amex blue $2000 AAOA 5.6 years thanks to some accounts reporting as AU.

She applied for chase slate and amex delta both instant approvals.

amex dont know the CL yet

chase slate $400 REALLY chase. thinking of cancelling the card.

Experian pulled for both card and fico score of $715

Re: chase really??

afbar1114 — Thu, 09 Feb 2012 01:11:01 GMT

wow i have far worse cards and aaoa and got 500

Re: chase really??

CS800 — Thu, 09 Feb 2012 01:13:27 GMT

@Anonymous wrote:
My DW has perfect credit history, she has a citi forward $4000 amex blue $2000 AAOA 5.6 years thanks to some accounts reporting as AU.

She applied for chase slate and amex delta both instant approvals.

amex dont know the CL yet

chase slate $400 REALLY chase. thinking of cancelling the card.

Experian pulled for both card and fico score of $715

May i ask where you got your EX FICO? FRom Chase or AMEX or both?

Re: chase really??

webhopper — Thu, 09 Feb 2012 01:14:41 GMT

Have you tried calling the recon number? Some people have successfully reconned for higher limits.

Re: chase really??

pipeguy — Thu, 09 Feb 2012 01:15:07 GMT

$400 CL on a so called major prime card? I'd say thanks but no thanks.

Re: chase really??

Anonymous — Thu, 09 Feb 2012 01:34:17 GMT

Wow I didnt know they gave slate cards so low

Re: chase really??

tray — Thu, 09 Feb 2012 01:35:21 GMT

@webhopper wrote:
Have you tried calling the recon number? Some people have successfully reconned for higher limits.

+1 if I was in OP position I would call to see exactly why Chase came up with that creditlimit and reconsider giving a higher limit if this bank wants to see usage with this card.

Re: chase really??

CS800 — Thu, 09 Feb 2012 01:36:38 GMT

My HSBC best buy MC has a CL of $300

Re: chase really??

Anonymous — Thu, 09 Feb 2012 01:37:41 GMT

got approved for chase freedom thru recon with 500 Cl and .3 years revolving history

Re: chase really??

CS800 — Thu, 09 Feb 2012 01:39:42 GMT

@Anonymous wrote:
got approved for chase freedom thru recon with 500 Cl and .3 years revolving history

did you mean 0.3 years of history or 3 years?

Re: chase really??

Anonymous — Thu, 09 Feb 2012 01:40:22 GMT

Got the free fico from Amex . Chase didnt provide a FICO , but pulled experian.

Re: chase really??

CS800 — Thu, 09 Feb 2012 01:41:11 GMT

@Anonymous wrote:
Got the free fico from Amex . Chase didnt provide a FICO , but pulled experian.

That a good EX score stud

Re: chase really??

Anonymous — Thu, 09 Feb 2012 01:42:23 GMT

1/3 a year of revolving accounts, 1 year on old installment...im a new noob

Re: chase really??

Anonymous — Thu, 09 Feb 2012 01:42:41 GMT

$400? I guess it's still a foot in the door with Chase.

Re: chase really??

CS800 — Thu, 09 Feb 2012 01:49:57 GMT

Is Chase stingy with CLI's?

Re: chase really??

Walt_K — Thu, 09 Feb 2012 01:53:30 GMT

@Anonymous wrote:
My DW has perfect credit history, she has a citi forward $4000 amex blue $2000 AAOA 5.6 years thanks to some accounts reporting as AU.

She applied for chase slate and amex delta both instant approvals.

amex dont know the CL yet

chase slate $400 REALLY chase. thinking of cancelling the card.

Experian pulled for both card and fico score of $715

Maybe they discounted the AU accounts? Could it be an income issue?

ETA: Also, what is utilization like? 715 is a good score, but with perfect credit history and AAoA 5.6 years, I would think it would be higher. Maybe if you had balances reporting at time of app, that explains some of it.

Re: chase really??

Anonymous — Thu, 09 Feb 2012 02:06:32 GMT

She was at a 11% utilisation. Definetly going to recon or show the exit door to chase.

I am sure they come around her begging her for ther business at some point.

Re: chase really??

Anonymous — Thu, 09 Feb 2012 02:15:43 GMT

@Anonymous wrote:
My DW has perfect credit history, she has a citi forward $4000 amex blue $2000 AAOA 5.6 years thanks to some accounts reporting as AU.

She applied for chase slate and amex delta both instant approvals.

amex dont know the CL yet

chase slate $400 REALLY chase. thinking of cancelling the card.

Experian pulled for both card and fico score of $715

I'm offended for you!!!

Re: chase really??

CS800 — Thu, 09 Feb 2012 02:14:24 GMT

Although it's a foot in the door with Chase, I think even GE would give you $1000 for a WM card with your credit.

Re: chase really??

Anonymous — Thu, 09 Feb 2012 02:30:02 GMT

In 2006, I applied for a Discover which I got with a $5000 CL and Chase which I got with a $300 cl! Now I have 4 other prime cards from $7900-20,000 CL, but I still have that cute Chase card. I haven't used it in years...they won't cancel it. And I won't use it. I guess I don't pose much of a risk...