CSP CL predictions?

[iWuzCool]

I was thinking of getting the CSP for my 3rd personal card but I want a $15K + CL or else it won't end up becomming main card.  I like to keep my utilization really low.  Here's what I have now:

BofA travel rewards: $18K

Amex BCP $25K

Chase Ink Plus $21,500

I've had the BofA forever (should prob ask for a CLI) but I just recently got the Amex and Chase.  My EX FICO is currently 752, but it was 812 when I applied for the Amex and 780 when applying for the Ink card.  My AAoA dropped a lot and so did my score.  I have no negitives whatsover on my credit report.

So I'm guessing that Chase will give me a relatively low credit line because my score is lower now and they have already extended credit to my Ink Plus .  In the pre qualified check, they offered all of their cards but the CSP has a 20.24% APR.  I always pay but that seems like a bad sign.

Anyway, anyone have a CL prediction?

Thanks!

[Anonymous]

16.50 apr , with your score , I would guess 18-22k. With Chase you can sometime recon the limit at card activation via phone. Mine is 15.94 , but that's was before the Fed raised interest rate....

[Anonymous]

They actually offer a range of 16.24% (15.99 + .25) – 23.24% as of like a week ago on the CSP. I'd venture to say 12k SL. Just a shot in the dark.

[iWuzCool]

Thanks for the feedback.  Is there anyway to negotiate a credit line after you're approved?  Tell the analysist that I want it to be my primary card but need a bigger line?

[Anonymous]

I was approved for 16.6k before they went to a range of APRs. I attempted to get an increase at activation to no avail. I had a previous relationship for 3.5 years also. Never hurts to try though.

[Anonymous]

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@Anonymous wrote:
16.50 apr , with your score , I would guess 18-22k. With Chase you can sometime recon the limit at card activation via phone. Mine is 15.94 , but that's was before the Fed raised interest rate....

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I'm pretty sure it will go up on your next statement pacman, mine did.  I have never heard of anyone reconing the CSP, but I suppose it's possible.  I had just apped for my Discover  3 months before I apped for CSP/Freedom combo so my scores hadn't rebounded yet. I wish I  had wated to get a better SL. I let 5/24  scare me into action when I should have waited it out. oh, well.

[elim]

CSP is now a range of APR's based on creditworthiness?  hrmmmm, It has always "one size fits all" at 15.99% (16.24). 

[jacetx]

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@elim wrote:

CSP is now a range of APR's based on creditworthiness?  hrmmmm, It has always "one size fits all" at 15.99% (16.24). 

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[Anonymous]

It's all a moot point on the APR unless you plan on carrying a balance.

[Mattopotamus]

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@Anonymous wrote:

It's all a moot point on the APR unless you plan on carrying a balance.

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I feel like most of us here are like that, yet people always seemed obsessed with APR.  I have one card that I would possibly carry a balance on in case of an emergency, and that is the simmons first with 6.25%