topic Re: should I recon Chase? in Credit Cards

should I recon Chase?

Anonymous — Sun, 25 Nov 2012 01:17:14 GMT

Thursday morning I got instantly approved for 1,500 limit. It seems as there are alot of threads talking about successes with people reconing higher limits. I plan on using this card for my everyday purchases and groceries and gas. With that alone I will peg the limit.

I have a NFCU card that has a 5K limit that has been reporting for 7 mos now. 2% util reported on app. 1 year account history. At the time of app other than the NFCU card I had 3 other accounts but with low limits 200,300,500.

One unpaid collection from 2006 for 196.00

Do I stand a chance for a recon on a higher initial limit? Also Ive never done a recon before lol and after I got approved for Freedom I went on a rampage and applied for Amazon and Walmart and BOFA to unsecure my card and all 4 of those accounts pulled TU.

So on recon would they just look at the report they pulled from last thursday?

Re: should I recon Chase?

trumpet-205 — Sun, 25 Nov 2012 01:43:38 GMT

If you are reconing for higher CL it is likely they will HP you again.

Chase recon is hit or miss. By that I mean you can run into analyst who does thing by the script, but you can also run into those who are more friendly to consumer.

Re: should I recon Chase?

Anonymous — Sun, 25 Nov 2012 01:46:41 GMT

If they wanted to HP me again I wouldnt go through with it. They would see the new inquiries and I wouldnt stand a chance.

Which Dept to call on monday Executive Office or recon line?

Re: should I recon Chase?

nicholasyud — Sun, 25 Nov 2012 01:58:34 GMT

i wonder why dont you paid your unpaid collection and get them PFD ????? they really hold your score down for higher limit man

Re: should I recon Chase?

wallyworld123 — Sun, 25 Nov 2012 01:59:03 GMT

@Anonymous wrote:
If they wanted to HP me again I wouldnt go through with it. They would see the new inquiries and I wouldnt stand a chance.

Which Dept to call on monday Executive Office or recon line?

Yes more than likely they will do a HP but, u never know IMO recon line first.

Re: should I recon Chase?

Anonymous — Sun, 25 Nov 2012 02:03:59 GMT

@nicholasyud wrote:
i wonder why dont you paid your unpaid collection and get them PFD ????? they really hold your score down for higher limit man

They wont accept it. it falls off in 5 mos im not messing with it

Re: should I recon Chase?

distantarray — Sun, 25 Nov 2012 02:07:04 GMT

@Anonymous wrote:
@nicholasyud wrote:
i wonder why dont you paid your unpaid collection and get them PFD ????? they really hold your score down for higher limit man
They wont accept it. it falls off in 5 mos im not messing with it

dispute this with the CRA's stating it's obsolete in a month or two, CRA's are known to remove things a few months early since they have the file already open =P if your in NY pay 15% of what you owe on a settlement and remove it now if you want higher limits.

Re: should I recon Chase?

Anonymous — Sun, 25 Nov 2012 18:32:40 GMT

I dont think I should dispute accurate information

Re: should I recon Chase?

armbenderc — Sun, 25 Nov 2012 18:40:34 GMT

@Anonymous wrote:
Thursday morning I got instantly approved for 1,500 limit. It seems as there are alot of threads talking about successes with people reconing higher limits. I plan on using this card for my everyday purchases and groceries and gas. With that alone I will peg the limit.

I have a NFCU card that has a 5K limit that has been reporting for 7 mos now. 2% util reported on app. 1 year account history. At the time of app other than the NFCU card I had 3 other accounts but with low limits 200,300,500.

One unpaid collection from 2006 for 196.00

Do I stand a chance for a recon on a higher initial limit? Also Ive never done a recon before lol and after I got approved for Freedom I went on a rampage and applied for Amazon and Walmart and BOFA to unsecure my card and all 4 of those accounts pulled TU.

So on recon would they just look at the report they pulled from last thursday?

I recon with chase before and they used the same HP when I applied for the card.

I got 2k CL (recon to approval 50%+ util) and when I got the card, I recon to a 3.7k CL.

They asked me about stuff on report, inq, util, etc.

inq, i told them I was trading a car and got another car.

util, i told them that I wanted to take full advantage of chase freedom BT, this one got me hooked. They stop asking question after this punch line.

again ymmv

Re: should I recon Chase?

SnackTrader — Sun, 25 Nov 2012 18:44:49 GMT

@Anonymous wrote:
I dont think I should dispute accurate information

Agreed. What's another 5 months after all of this time.

Good luck with whatever you choose, but I am usually so happy that a creditor gave me a shot at all that I don't question their deicisions for 6 months. Perhaps a HP would be well worth it for a CLI once that collection drops...