Chase CLI Request

[McNugget]

I have a BT offer that I'd like to use with Chase, but the credit limit on my card doesn't cover the full amount I'd like to transfer.  Worth a call to see if I can get a CLI to cover the amount I'm looking for? 

I'm around 6/24, and got 4 new cards in the last few months.  I feel like that alone might get me a big fat no.   I don't really want to try for a new card with anybody, but I guess I'll ask if there are any recs for cards that might fit my profile.  FICO is currently back to 675 across the board, utilization is at 28%, 3 baddie medical collections that drop off in 1-2 years.  Zero late payments.  AoOA = 15 years; AAoA = 5 years.  I also like long walks on the beach and action flicks. 

[FinStar]

Chase will HP for a CLI. With your recent credit "activities" it's likely it may not bode well CLI-wise.

What is the CL on this card (assuming it's the Freedom)? What about the CL on CSP?

[McNugget]

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@FinStar wrote:
Chase will HP for a CLI. With your recent credit "activities" it's likely it may not bode well CLI-wise.

What is the CL on this card (assuming it's the Freedom)? What about the CL on CSP?

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The Freedom is at 3k and the CSP is just over 12k.

Editing to add that the Freedom is PIF and the CSP has a 1k balance on it (haven't had the first statement hit yet).

[FinStar]

I'm assuming the BT offer is on Freedom?

If so, you can try reallocating a portion of CSP to Freedom to cover the BT. Eventually once paid down or PIF you can reallocate it back.

[McNugget]

Ooo, nice. That shouldn't affect my plan to upgrade to the CSR next year, right? The card will be PIF by then.

[FinStar]

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@McNugget wrote:
Ooo, nice. That shouldn't affect my plan to upgrade to the CSR next year, right? The card will be PIF by then.

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Just make sure that you have at least a minimum $10K CL to be considered for the [CSR] upgrade.  As mentioned upthread, once your BT is PIF (or significantly paid down), reallocate back to CSP.

[AverageJoesCredit]

Why'd you run on us ,McNugget?

[McNugget]

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@AverageJoesCredit wrote:
Why'd you run on us ,McNugget?

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Haha!  Got busy at work and home so I didn't have a chance to call Chase about a CLI yet.  I'm trying to talk myself out of applying for a balance transfer card through Citi instead.  Either way I think it's a HP (ugh).  

[McNugget]

Just an update: I utilized all three options (cli, limit transfer, and new card), and now all of my debts are tucked into a nice, cozy, 0% APR bed.

[Anonymous]

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@McNugget wrote:
Just an update: I utilized all three options (cli, limit transfer, and new card), and now all of my debts are tucked into a nice, cozy, 0% APR bed.

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Congrats. Would you mind sharing some specifics? I recently got a 0% offer too and also want to maximize it.