topic Re: JP Morgan Select CLI in Credit Cards

JP Morgan Select CLI

Anonymous — Thu, 16 Aug 2012 18:23:16 GMT

Any details on when the card is eligle for a CLI? Haven't been able to find any details but, I'm curious. Creating my plan of attack for next year

Re: JP Morgan Select CLI

Anonymous — Thu, 16 Aug 2012 21:30:10 GMT

FYI: http://ficoforums.myfico.com/t5/Credit-Cards/Soft-Hard-Credit-Limits-on-JPM-Palladium-amp-Select-Cards/td-p/1520050

Re: JP Morgan Select CLI

Anonymous — Thu, 16 Aug 2012 23:13:23 GMT

Thanx! Both your post and my card arrived at the same time.

Re: JP Morgan Select CLI

Anonymous — Fri, 17 Aug 2012 00:14:52 GMT

I'm not sure Chase establishes a firm time table for credit limit increases. Customer-initiated requests are almost always hard pulls though, so you'll want to use with caution. I would try waiting atleast 6 months; also, some people have gotten auto-increases lately, even after only a few months of account opening. So it might be worth waiting just for that. Also, you can go above your credit limit as long as you pay-in-full the amount over and you won't have to worry about utilization since that card is a hidden tradeline.

Re: JP Morgan Select CLI

Anonymous — Tue, 28 Aug 2012 17:55:43 GMT

Called in and got bumped up from 15k to 25k. I have a small balance on my other Chase card of $589. Just paid that off, and will wait till the payment clears. The rep told me that I can combine both limits to my Palladium for a total of 37.5k. Whoa...

2 years ago, I couldn't open a library card under my name. Needless to say, hard work, persistence, and the info you get my myfico really helped me navigate through the uncertain credit waters.

Thanks so much!