Chase Approval Page "Call In"

[CivalV]

When I applied for my Chase Marriott card it was an instant approval. On the approval page it said if I wanted a higher limit to call in. At the moment I didnt put much thought into it but now I feel like I should have called in. I opened my account Nov 16th. By Dec 16th I hit the $3K bonus paid in full and now my 2nd statement hit and I realized my spend is much higher than I thought.

I am running at the least $6-7K on my Marriott card. No new accounts, UTL has dropped significantly & scores going up. I am curious would it hurt to call in for CLI due to my spend? or would it set off alarms? 

[CreditCuriosity]

I personally would give them 6 months with you to show your spending habits and ability to repay with time since this is your first card with them to get more comfortable with you.  Just my 2 cents...  Reason is scores are still on lower end even though spend appears to be higher, but if paying off and ability to pay a few times a month you should be good right?

[FinStar]

OP, as mentioned above, I would wait it out for the account to age and establish/build more internal history.

Keep in mind that whether you were presented with that option when approved to call in (or down the road) it would've resulted in another HP (possibly 2) since they do not reuse the initial HPs for SL reconsideration.

[M_Smart007]

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@CivalV wrote:

When I applied for my Chase Marriott card it was an instant approval. On the approval page it said if I wanted a higher limit to call in. At the moment I didnt put much thought into it but now I feel like I should have called in. I opened my account Nov 16th. By Dec 16th I hit the $3K bonus paid in full and now my 2nd statement hit and I realized my spend is much higher than I thought.

I am running at the least $6-7K on my Marriott card. No new accounts, UTL has dropped significantly & scores going up. I am curious would it hurt to call in for CLI due to my spend? or would it set off alarms? 

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Is it possible you could temporarily move some of your CL from your Disney over?

The process is simple (If your card is 1 year old) and requires no HP.

And you could always move the limit back then ask for a limit increase after 6 months or thereabouts.

Edit: Scratch that, Credit Curiosity pointed out that the Disney card is a Debit Card

[CreditCuriosity]

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@M_Smart007 wrote:

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@CivalV wrote:

When I applied for my Chase Marriott card it was an instant approval. On the approval page it said if I wanted a higher limit to call in. At the moment I didnt put much thought into it but now I feel like I should have called in. I opened my account Nov 16th. By Dec 16th I hit the $3K bonus paid in full and now my 2nd statement hit and I realized my spend is much higher than I thought.

I am running at the least $6-7K on my Marriott card. No new accounts, UTL has dropped significantly & scores going up. I am curious would it hurt to call in for CLI due to my spend? or would it set off alarms? 

---

Is it possible you could temporarily move some of your CL from your Disney over?

The process is simple (If your card is 1 year old) and requires no HP.

And you could always move the limit back then ask for a limit increase after 6 months or thereabouts.

---

Disney card is a debit remember back from day.

[coldfusion]

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@CreditCuriosity wrote:

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@M_Smart007 wrote:

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@CivalV wrote:

When I applied for my Chase Marriott card it was an instant approval. On the approval page it said if I wanted a higher limit to call in. At the moment I didnt put much thought into it but now I feel like I should have called in. I opened my account Nov 16th. By Dec 16th I hit the $3K bonus paid in full and now my 2nd statement hit and I realized my spend is much higher than I thought.

I am running at the least $6-7K on my Marriott card. No new accounts, UTL has dropped significantly & scores going up. I am curious would it hurt to call in for CLI due to my spend? or would it set off alarms? 

---

Is it possible you could temporarily move some of your CL from your Disney over?

The process is simple (If your card is 1 year old) and requires no HP.

And you could always move the limit back then ask for a limit increase after 6 months or thereabouts.

---

Disney card is a debit remember back from day.

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There's a co-branded Disney Visa CC issued by Chase.   You can apply for one on-prem at Disney World and if instantly approved walk out with the card.  Friend of mine did it about a year ago on the spur of the moment and regretted burning a 5/24 slot on it after the fact. 

[M_Smart007]

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@CreditCuriosity wrote:

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@M_Smart007 wrote:

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@CivalV wrote:

When I applied for my Chase Marriott card it was an instant approval. On the approval page it said if I wanted a higher limit to call in. At the moment I didnt put much thought into it but now I feel like I should have called in. I opened my account Nov 16th. By Dec 16th I hit the $3K bonus paid in full and now my 2nd statement hit and I realized my spend is much higher than I thought.

I am running at the least $6-7K on my Marriott card. No new accounts, UTL has dropped significantly & scores going up. I am curious would it hurt to call in for CLI due to my spend? or would it set off alarms? 

---

Is it possible you could temporarily move some of your CL from your Disney over?

The process is simple (If your card is 1 year old) and requires no HP.

And you could always move the limit back then ask for a limit increase after 6 months or thereabouts.

---

Disney card is a debit remember back from day.

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@CreditCuriosity, You are absolutely correct! I mistook that for a CC.

https://ficoforums.myfico.com/t5/Personal-Finance/Garden-Club-November-2018/m-p/5402563#M36467

[CreditCuriosity]

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@coldfusion wrote:

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@CreditCuriosity wrote:

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@M_Smart007 wrote:

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@CivalV wrote:

When I applied for my Chase Marriott card it was an instant approval. On the approval page it said if I wanted a higher limit to call in. At the moment I didnt put much thought into it but now I feel like I should have called in. I opened my account Nov 16th. By Dec 16th I hit the $3K bonus paid in full and now my 2nd statement hit and I realized my spend is much higher than I thought.

I am running at the least $6-7K on my Marriott card. No new accounts, UTL has dropped significantly & scores going up. I am curious would it hurt to call in for CLI due to my spend? or would it set off alarms? 

---

Is it possible you could temporarily move some of your CL from your Disney over?

The process is simple (If your card is 1 year old) and requires no HP.

And you could always move the limit back then ask for a limit increase after 6 months or thereabouts.

---

Disney card is a debit remember back from day.

---

There's a co-branded Disney Visa CC issued by Chase.   You can apply for one on-prem at Disney World and if instantly approved walk out with the card.  Friend of mine did it about a year ago on the spur of the moment and regretted burning a 5/24 slot on it after the fact. 

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@coldfusion understood but remember this poster specificially having the debit card when asked in another thread

[coldfusion]

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@CreditCuriosity wrote:

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@coldfusion wrote:

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@CreditCuriosity wrote:

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@M_Smart007 wrote:

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@CivalV wrote:

When I applied for my Chase Marriott card it was an instant approval. On the approval page it said if I wanted a higher limit to call in. At the moment I didnt put much thought into it but now I feel like I should have called in. I opened my account Nov 16th. By Dec 16th I hit the $3K bonus paid in full and now my 2nd statement hit and I realized my spend is much higher than I thought.

I am running at the least $6-7K on my Marriott card. No new accounts, UTL has dropped significantly & scores going up. I am curious would it hurt to call in for CLI due to my spend? or would it set off alarms? 

---

Is it possible you could temporarily move some of your CL from your Disney over?

The process is simple (If your card is 1 year old) and requires no HP.

And you could always move the limit back then ask for a limit increase after 6 months or thereabouts.

---

Disney card is a debit remember back from day.

---

There's a co-branded Disney Visa CC issued by Chase.   You can apply for one on-prem at Disney World and if instantly approved walk out with the card.  Friend of mine did it about a year ago on the spur of the moment and regretted burning a 5/24 slot on it after the fact. 

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@coldfusion understood but remember this poster specificially having the debit card when asked in another thread

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Oops.  Never mind. 

[CivalV]

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@CreditCuriosity wrote:

I personally would give them 6 months with you to show your spending habits and ability to repay with time since this is your first card with them to get more comfortable with you.  Just my 2 cents...  Reason is scores are still on lower end even though spend appears to be higher, but if paying off and ability to pay a few times a month you should be good right?

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Yeah scores are being held down from old lates. My scores move up slowly because of it. Ive been able to put through multiple large payments but I def. dont want that to be an issue with Chase. I am just moving cautiously.