topic Re: Should I hit the Chase Luv Button even though I just got the Card. I am tempted y'all!! in Credit Cards

Should I hit the Chase Luv Button even though I just got the Card. I am tempted y'all!!

Anonymous — Thu, 05 Jun 2008 18:40:54 GMT

The card that I just recieved (Platinum Visa) has a 400 dollar limit. I received it this past weekend and already have a balance of 121 dollars. The CSR tried to up the limit for me by 1500 dollars upon activation, but I was denied. Do you think I should try and see if they will hit me off with a CLI online??

I know it will be a hard hit.

Re: Should I hit the Chase Luv Button even though I just got the Card. I am tempted y'all!!

Anonymous — Thu, 05 Jun 2008 18:44:48 GMT

since you were denied at activation, keep the balance low and wait 3 months

Re: Should I hit the Chase Luv Button even though I just got the Card. I am tempted y'all!!

Anonymous — Thu, 05 Jun 2008 18:46:16 GMT

Did that work for you??? Do you have a Chase card, Code???

Re: Should I hit the Chase Luv Button even though I just got the Card. I am tempted y'all!!

Anonymous — Thu, 05 Jun 2008 18:49:09 GMT

I have 2 actually, just got approved for the second on monday and inquired about increasing the limit. that is what the account specialist advised that I do and its what works with B of A as well

Re: Should I hit the Chase Luv Button even though I just got the Card. I am tempted y'all!!

Anonymous — Thu, 05 Jun 2008 18:51:52 GMT

Sounds like a plan, Code. I will ask them for a CLI in September. I really want to get the CL above 1000k. What is the limit on your card, if you dont mind me asking???

Message Edited by landocalrissian on 06-05-2008 11:51 AM

Re: Should I hit the Chase Luv Button even though I just got the Card. I am tempted y'all!!

Anonymous — Thu, 05 Jun 2008 18:58:50 GMT

my first card was $200 and is still $200, my new card is $1000. Once I get the card, I'm going to ask about CLI again and verify best course of action. At that time I will also combine the cards.

I just got my B of A Student Visa with a $600 limit changed to a B of A World Points Signature Visa with a limit of $2000.

I have 2 cards with Cap One, called last night and got the limit on the first one doubled, my new one I just got last month so they wouldn't approve a CLI so I combined the card and will call back after my 3rd payments posts and get a CLI and then also get me credit steps when the following statement cuts. Current combined limit is $1300, I'm hoping that after I get the CLIs it will be at $2000

If it wasn't for this board, I would never have gotten these cards and the limits.

Message Edited by codeman5022 on 06-05-2008 11:58 AM

Re: Should I hit the Chase Luv Button even though I just got the Card. I am tempted y'all!!

Anonymous — Thu, 05 Jun 2008 19:00:39 GMT

Patience, young padawan.

Keep your balances low and your payments on time, then apply for a CLI early this fall.

Re: Should I hit the Chase Luv Button even though I just got the Card. I am tempted y'all!!

Anonymous — Thu, 05 Jun 2008 19:02:18 GMT

Yeah, I am ready to jump to hyperspace. LOL

Re: Should I hit the Chase Luv Button even though I just got the Card. I am tempted y'all!!

Anonymous — Thu, 05 Jun 2008 19:05:12 GMT

Oh and I forgot to mention that before I attempted anything with the cards mentioned above, I went little app crazy the week before and applied for like 20 cards. ok, i went overboard on the apps but i got approved for like 8 of them I think.

Chase, B of A, and Cap One are all aware of the amount of apps I put in and what I was approved for(I had a list with me when I called) and they were all ok with it

Message Edited by codeman5022 on 06-05-2008 12:05 PM

Re: Should I hit the Chase Luv Button even though I just got the Card. I am tempted y'all!!

Anonymous — Thu, 05 Jun 2008 19:08:08 GMT

Code, how long did you wait in between app'ing for both of your cards? I did not know that Chase gives out cards with such low limits. I was shocked when I got mine. It made me feel kind of subprimey. Especially with the silly @#$ 19.9% APR thet hit me off with. And it is variable.

Message Edited by landocalrissian on 06-05-2008 12:08 PM

Re: Should I hit the Chase Luv Button even though I just got the Card. I am tempted y'all!!

Anonymous — Thu, 05 Jun 2008 19:08:32 GMT

almost 2 and a half years, I never thought about applying for a second card until last week. I was tired of not getting CLIs on my first card but all I was doing was applying online and now I have learned to just call back door numbers

Re: Should I hit the Chase Luv Button even though I just got the Card. I am tempted y'all!!

Anonymous — Thu, 05 Jun 2008 19:11:13 GMT

You mean to tell me that you had a Chase card for over 2 years with a 200 dollar limit and they would not give you an CLI?? That is crazy. I know that you had to maintain the account in good standing or they would have not issued you a second card.

Re: Should I hit the Chase Luv Button even though I just got the Card. I am tempted y'all!!

Anonymous — Thu, 05 Jun 2008 19:22:12 GMT

Yeah thats what I brought up when I called about the new card, I asked about my other card and why I cant get anything done with it. Apparently the Platinum Master Card is one of those types of cards that is capped and I was told that it is really hard to get a CLI on but all of their other cards are very rewarding and gracious with CLIs according to the specialist I was working with. I can't complain too much tho because it was my second card ever and it got my foot in the door with chase and now look where I'm at

Re: Should I hit the Chase Luv Button even though I just got the Card. I am tempted y'all!!

Anonymous — Thu, 05 Jun 2008 19:27:19 GMT

What type of card is your second Chase card???

Re: Should I hit the Chase Luv Button even though I just got the Card. I am tempted y'all!!

Anonymous — Thu, 05 Jun 2008 19:31:44 GMT

the Platinum Visa

Re: Should I hit the Chase Luv Button even though I just got the Card. I am tempted y'all!!

Anonymous — Thu, 05 Jun 2008 19:46:21 GMT

Hmm. To OP, I highly recommend waiting 3 months or so since you were denied on the phone. Online will probably just be a waste of an inquiry.

Chase has been very good to me. When the analyst called me when I was first approved she tried to offer $7000 and I was able to talk her up to $10,000 on the phone. 3 weeks later I CLI'd to $15,000. Recently I decided to apply for the Chase PerfectCard, with a CL of $3500. The APR was 19.99 and they wouldn't lower it, so I combined it into my Freedom Visa for a grand total of $18,500.

Last January I couldn't get more than $300 from HSBC and $500 from Capital One. Now, I pick and choose!

Re: Should I hit the Chase Luv Button even though I just got the Card. I am tempted y'all!!

Anonymous — Thu, 05 Jun 2008 19:50:33 GMT

Yeah when I call to activate my new card, I'm going to ask for a CLI on my oldest card before I bring up anything about combining them, I'm hoping they will match my new card but I don't know what will happen. If they do approve a CLI on my older card, then I will ask about the newer card and hopefully get a little luv. I have a flawless history with chase so you would think they would be more willing to show me some luv.

Re: Should I hit the Chase Luv Button even though I just got the Card. I am tempted y'all!!

Anonymous — Thu, 05 Jun 2008 20:15:24 GMT

I think that I asked for too much of an increase when I was on the phone with CSR. I asked for a 1500 dollar increase. I should have asked for less and I probably would have gotten something. I was being greedy and I should be grateful. This credit game is humbling.

Message Edited by landocalrissian on 06-05-2008 01:15 PM

Re: Should I hit the Chase Luv Button even though I just got the Card. I am tempted y'all!!

Anonymous — Fri, 06 Jun 2008 19:31:02 GMT

I did it anyway guys. I hit the love button. They will let me know something in a few hours. I asked for a 1000 dollar limit. Yeah, I know.

Re: Should I hit the Chase Luv Button even though I just got the Card. I am tempted y'all!!

Anonymous — Fri, 06 Jun 2008 19:34:07 GMT

lol you're crazy - let us know what happens