topic Re: CL Matching in Credit Cards

CL Matching

Tg123 — Wed, 13 Jun 2012 21:09:12 GMT

I just got a zync, freedom, and bofa cash rewards. I got 3k from chase, and 1k from bofa because the highest line i had at the time was citi with 800 which has since doubled. Would it be possible to call the executive customer service department of citi and bofa and ask them to match chase via a soft pull? If its possible please let me know I think it could really help my utilization

Re: CL Matching

tntexans72 — Wed, 13 Jun 2012 21:55:38 GMT

They could do if you request a CLI but keep in mind, it could be another HP.

Imo..these cards are fairly new, I would sit on the cards you have now for 6 months and than request a CLI across the board on the cards minus the Zync.

Banks are pretty jittery now days, you apped for too many cards, you could also get a CLD. I have read on other forums that the CLD does happens.

Good luck !

Re: CL Matching

Anonymous — Wed, 13 Jun 2012 22:12:50 GMT

This is an example when you are trying to build CL's up, you need to be smart on when and how you apply. If OP had known and waited for Chase to hit, the other new lines probably would have been much higher to start with.

Re: CL Matching

SwiftTone — Wed, 13 Jun 2012 22:18:06 GMT

Unfortunately, they will probably not match your Chase's $3000 CL because your previous highest CL was $800. You've recently recieved a large CL relative to your previous CL, they'd most likely want to see how you handle this CL.

I would try in 6 months, at least.

Congrats on the new cards!

Re: CL Matching

Tg123 — Thu, 14 Jun 2012 01:30:41 GMT

@Anonymous wrote:
This is an example when you are trying to build CL's up, you need to be smart on when and how you apply. If OP had known and waited for Chase to hit, the other new lines probably would have been much higher to start with.

Honestly I didn't expect to get more than 1k on either card and as luck had it I applied for the freedom card last. I thought chase was a conservative lender and stingy with cl, but luckily that was the case for me. I don't see myself applying for anything in the next two years so hopefully I will have great limits by graduation. Thanks for all the input!

Re: CL Matching

Tg123 — Wed, 20 Jun 2012 04:52:26 GMT

I would like to know if anyone has had any experience in asking a company to match another line and your outcome if you don't mind sharing!

Re: CL Matching

Anonymous — Wed, 20 Jun 2012 04:55:37 GMT

I would wait the 6 months, no reason to get a HP. Pay the cards down to get your utilization under 10% by then. GL!

Re: CL Matching

tntexans72 — Wed, 20 Jun 2012 09:36:50 GMT

@crash...does that same concept applys to CC that don't report a CL like $40k? I wanna get my CL higher, just trying to figure the best way to do that. Chase won't budge but I think if they know I have another higher CL, they may match.

Re: CL Matching

Anonymous — Wed, 20 Jun 2012 18:28:08 GMT

Tx, yes it does. Chase is good about trying to beat your beat cl when apping for first chase card. What card of yours doesn't report limit? High limits report but might not be included in util calculations