topic Re: Itchy Trigger Finger....HELP!!!!! in Credit Cards

Itchy Trigger Finger....HELP!!!!!

stealthc63 — Thu, 06 Dec 2012 20:29:14 GMT

So here's my dilemma. I've had my Chase card since 2005 when they were WAMU. The card started out at $2000 and I accidentally went over by about $20 and it took me a few months to PIF. As soon as I did they dropped me to $250. I have been at $250 for over 5 years. I use the card for gas but because the limit is so low I can't do much with it. I called the recon number to see what they could do and they said they would have to do a hard pull. There in lies the problem. I want to do a 3x cli increase on my Amex in Feb and I'm wondering if the new inquiry will affect that. Any insight would be greatly appreciated.

On a side note, I did receive a $2000 CLI from Capital One after emailing the CEO so for all you Crap One people there is still hope!!!!!!!

Re: Itchy Trigger Finger....HELP!!!!!

Jutz — Thu, 06 Dec 2012 20:31:30 GMT

What's more important to you, the AMEX CLI or the potential escalation CLI from Chase?

Re: Itchy Trigger Finger....HELP!!!!!

Duncanrr — Thu, 06 Dec 2012 20:42:36 GMT

From what I've read, people have had better luck with getting new card and transferring limits.

Re: Itchy Trigger Finger....HELP!!!!!

stealthc63 — Thu, 06 Dec 2012 20:58:24 GMT

Sigh.....I guess I'll hold off till after I request the 3x CLI. I hate waiting....

Re: Itchy Trigger Finger....HELP!!!!!

kevinjjc — Sat, 08 Dec 2012 18:05:08 GMT

@Duncanrr wrote:
From what I've read, people have had better luck with getting new card and transferring limits.

YMMV

The initial credit limit on my Chase Freedom Visa Signature card was $5,700. After a hard inquiry for a credit limit increase request, got bumped to $18,000.

Re: Itchy Trigger Finger....HELP!!!!!

Creditaddict — Sun, 09 Dec 2012 00:07:11 GMT

I have heard more about getting new card from Chase and getting instant huge lines like $10k-$15k and some even over that with other Chase Cards sitting at $500-$1000 for years and years with no sucess of movement. As posted above, some have had luck... but I think if I was going to take the INQ I rather get a new account!!

Especially now with this new little "Pre-Approval" thing has come up... I wish I could get my partner to do it... (he shows an offer) me and 2 other friends show nothing so to me looks like it works! lol

OH and about the Amex... No I don't think they will care one bit!!

Re: Itchy Trigger Finger....HELP!!!!!

JonStur — Sun, 09 Dec 2012 23:14:10 GMT

@Creditaddict wrote:
I have heard more about getting new card from Chase and getting instant huge lines like $10k-$15k and some even over that with other Chase Cards sitting at $500-$1000 for years and years with no sucess of movement. As posted above, some have had luck... but I think if I was going to take the INQ I rather get a new account!!
Especially now with this new little "Pre-Approval" thing has come up... I wish I could get my partner to do it... (he shows an offer) me and 2 other friends show nothing so to me looks like it works! lol

OH and about the Amex... No I don't think they will care one bit!!

+1..BTW,, tried the Pre-Approval and was offered the Slate and the Freedom...

Re: Itchy Trigger Finger....HELP!!!!!

armbenderc — Mon, 10 Dec 2012 03:01:17 GMT

@Duncanrr wrote:
From what I've read, people have had better luck with getting new card and transferring limits.

This, but YMMV.