topic Chase issues, what to do in Credit Cards

Chase issues, what to do

kogama — Wed, 30 Apr 2014 14:43:13 GMT

So I have 3 chase cards. Chase slate is my first and I got approved with a $300 limit then the next time I applied to chase it was for both freedom and sapphire, 2500 (auto cli to 3500 after 3 months of usage) and 11,000 respectively.

I called chase about a year ago to increase my slate and they only increased it 300...to 600, he already hard pulled and said it was the most he could do. My highest limit is 19,500 and I of course cant close the slate because it has a good average age.

Question is. Can I PC the card to something else in the future and keep the old aaoa or if I merge the cards (is that possible) can I transfer the sapphire or something over to slate.

Any ideas? It really makes me mad I have a card with $600 limit, its hardly worth using, only issuers that get my respect are Citi and AmEx. I do like the freedom though because when I had constant activity they gave me a quick auto cli.

Re: Chase issues, what to do

Anonymous — Wed, 30 Apr 2014 14:45:52 GMT

Chase is usually very good about transferring limits, so if you want to move over some from the Sapphire to the Slate, they should be able to do that.

Re: Chase issues, what to do

kogama — Wed, 30 Apr 2014 14:47:58 GMT

@Anonymous wrote:
Chase is usually very good about transferring limits, so if you want to move over some from the Sapphire to the Slate, they should be able to do that.

Do you think now that I have 2 more chase cards since the last time I called, both with higher limits they would be willing to increase the slate?

Re: Chase issues, what to do

Anonymous — Wed, 30 Apr 2014 15:00:27 GMT

Not a chase underwriter so won't make predictions! On the down side, having more Chase cards with high limits also increases Chase's exposure to you, so in certain circumstances it would mitigate against CLIs. But no-one of me knowing if you are close to that point or not.

Re: Chase issues, what to do

SuperKirby — Wed, 30 Apr 2014 15:15:35 GMT

@kogama wrote:
Do you think now that I have 2 more chase cards since the last time I called, both with higher limits they would be willing to increase the slate?

Most likely with a HP, yes. And also assuming your Chase Internal scores are higher than last time.

Re: Chase issues, what to do

SuperKirby — Wed, 30 Apr 2014 15:16:55 GMT

I had to call the EO to PC my Slate to a Freedom. Regular CSRs could not do it for the life of them (i had been trying for over a year).

Re: Chase issues, what to do

azguy13 — Wed, 30 Apr 2014 15:25:03 GMT

You can easily move limits between different Chase cards without a HP. Any CLI request will be a HP though.

You mentioned that you didn't want to close the slate because of the age of the account. If you close it, it will still be calculated into your AAoA for 10 years. If you know that you will not be doing multiple app sprees in a year, then it really wouldnt be that big of a deal to close it.

Re: Chase issues, what to do

kogama — Wed, 30 Apr 2014 15:27:31 GMT

I don't want any of my cards closed because they will fall off. Going to let them age with me.

Re: Chase issues, what to do

bch238 — Wed, 30 Apr 2014 17:32:18 GMT

You have about $15,000 of credit spread across three cards with the same lender. Possibly you are hitting your aggregate limit with Chase based on your known income. Chase likely would be wililng to move some CL from you Sapphire to the Slate, but I'm not sure how that benefits you unless you are looking to park a balance and the Slate has a lower APR. If you want to do it, and they are willing to permit it, then you can do it with a phone call.

Re: Chase issues, what to do

Creditaddict — Wed, 30 Apr 2014 17:34:13 GMT

@kogama wrote:
I don't want any of my cards closed because they will fall off. Going to let them age with me.

fall off? closed accounts remain on credit report for 10 years when positive tradelines.

Re: Chase issues, what to do

parakleet — Wed, 30 Apr 2014 17:35:48 GMT

@kogama wrote:
I don't want any of my cards closed because they will fall off. Going to let them age with me.

Yeah but you still have Freedom and other cards to age with you. You don't have to keep the slate just for the aaoa. Especially when it's at a low balance.

Re: Chase issues, what to do

kogama — Wed, 30 Apr 2014 17:39:56 GMT

@Creditaddict wrote:
@kogama wrote:
I don't want any of my cards closed because they will fall off. Going to let them age with me.
fall off? closed accounts remain on credit report for 10 years when positive tradelines.

fall off after 10 years is what im saying