Chase Card With Highest SL

[masspope]

I guess I'll try the CLI and recon route in a year (after any possible car loan approvals), and then, go from there. Hopefully, things go well. 

Just out of curiosity, do CLI HP's affect future CC apps like CC app HP's do? I know that 6 months between CC apps is recommended, but what about between CLI HP's and CC apps?

[Remedios]

Some lenders are sensitive to presence of excessive HP, but in general, HPs have less impact on future approvals than new accounts.

[Aim_High]

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@Remedios wrote:
Why are you thinking about getting a card you cant use, lower your AAoA, get a possible new account ding when a CLI request would serve the same purpose
Your "backdoor CLI" as you described it will still incur HP, so you might as well just ask for one
Save new accounts for the cards you actually intend to use.

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Sorry, Remy, but I have to side with OP on this one.  I've been with Chase for 20 years.  They *ARE* very stingy on CLIs in my experience, although they might not if you used a card heavily.  (I did not.)  They did hard pulls on me and then declined me for CLIs.  I had given up on getting higher with them. On the other hand, doing the "backdoor" CLI method and applying for five new cards in 18 months with them (all approved) has given me a total line to combine in the future of $138,400, my most generous total credit line lender. 

OP, I would suggest any of the "travel" cards including sapphires, hotels, and airlines. 

My SLs on three of those were all very good starting limits:

Chase Sapphire Reserve - SL $35K

Chase Marriott Bonvoy Boundless - SL $33K

Chase World of Hyatt - SL $30K

*I've already moved some of my CLs around.

Limits on the non-travel cards tend to be approved lower, from my experience.

I originally had a Slate Visa that was PC'd to CFU. 

And I later had an Amazon Visa that I closed and moved limits to CFU.

Currently: 

   CSR: $55K

   CFU:  $29.4K

   CF: $25K

   Marriott: $10K

   Hyatt: $10K

   INK Cash: $9K

[masspope]

Thanks for the info, Aim_High. I was kind of suspecting that.

[Remedios]

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@masspope wrote:
Thanks for the info, Aim_High. I was kind of suspecting that.

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Great info, but I'm afraid it's really not applicable to you.

I'm going to be honest here...

Look at @Aim_High  signature. Does your length of credit history matches? 

Are your limits comparable to his? Income? 

The answers are probably no. 

You want $10K. To a lot of us, AH included, that's a disappointing limit, unless simply sub chasing, in which case it's almost irrelevant.  I'm only mentioning that because it clearly shows you're not at the same stage of credit building. 

You're also opposed to paying AF. Now look at their profile and add those AFs

Again, two clearly very different profiles. 

Also, AH hasn't mentioned how much spend Chase sees from him. 

In a nutshell,  it's a generalization. It's true some get low CLIs from Chase. Others double their limit.

If you dont want useless cards, you will take a HP or two. Some cards require "work" to grow. 

"Apply for a new card" is not the right answer for everyone. 

You can try brute force via new apps, or you can play it smart and save new apps for when you actually need new accounts, especially ones with 0% intro should you have large purchases or expenses you did not count on.  You might get denied for a card you actually need because you applied for one you dont. 

Last thing you want to do is fall for "it worked for them, it will work for me". It wont. 

Good luck however you decide to proceed. 

[FinStar]

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@Remedios wrote:

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@masspope wrote:
Thanks for the info, Aim_High. I was kind of suspecting that.

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Great info, but I'm afraid it's really not applicable to you.

I'm going to be honest here...

Look at @Aim_High  signature. Does your length of credit history matches? 

Are your limits comparable to his? Income? 

The answers are probably no. 

You want $10K. To a lot of us, AH included, that's a disappointing limit, unless simply sub chasing, in which case it's almost irrelevant.  I'm only mentioning that because it clearly shows you're not at the same stage of credit building. 

You're also opposed to paying AF. Now look at their profile and add those AFs

Again, two clearly very different profiles. 

Also, AH hasn't mentioned how much spend Chase sees from him. 

In a nutshell,  it's a generalization. It's true some get low CLIs from Chase. Others double their limit.

If you dont want useless cards, you will take a HP or two. Some cards require "work" to grow. 

"Apply for a new card" is not the right answer for everyone. 

You can try brute force via new apps, or you can play it smart and save new apps for when you actually need new accounts, especially ones with 0% intro should you have large purchases or expenses you did not count on.  You might get denied for a card you actually need because you applied for one you dont. 

Last thing you want to do is fall for "it worked for them, it will work for me". It wont. 

Good luck however you decide to proceed. 

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+1 great advice here OP. 

[masspope]

@Remedios — I’ll definitely take that into consideration. Thanks for the info.

[Anonymous]

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@masspope wrote:
I was wondering what Chase card has the highest SL. I’m looking for a 10k+ SL that I can roll into an existing CFU. 

I’ve been getting “already approved“ offers in my Chase account for 7k CSP or 7k Southwest Plus, but I feel it’s kind of low since I have 3 10k/10k+ cards, one of them being a recent 10k approval. 

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These "offers" are exactly what Chase feels you're qualified for. They have nothing to do with CL's at other Banks. I have a $20K Discover, but still only get $8-12K SL with other Banks. So I don't believe that apping a new card with them is going to net you anything different. That said, if info in your profile has changed for the better since the last CR they pulled. You might get higher than $7K 

Chase also isn't gonna like you opening a new account just to move the CL over to a differnt card then SD the new one. People do it, sure. But that's no way to get on their good customer list.

@masspope wrote:

I just want a higher limit card to combine with the CFU (a "backdoor" CLI).

I'm trying to get a Visa with a 10k+ limit so that I can have 10k+ cards with each network. I'd like to use my CFU for that, but my SL (and current) from 2014 is $1200, and I heard that Chase is stingy with CLI's. I've also heard that Chase gives bigger SL's with new cards, and some (all?) cobrands give SL's that are even higher than straight Chase cards. So I'm just trying to find a card that's most likely to reach 10k that I could combine into my CFU.

My stats:

FICO 8 between 772 and 792 in the past month

1 INQ each - TU, EX, EQ

Income: $35k

Discover It: $13700

Amex BCE: $11400

CO SavorOne (MC): $10000
CO Quicksilver (Visa): $2500 (CLI's denied, possibly in starter bucket, SD, want to combine with SavorOne once it's allowed again)

CFU (Visa): $1200 <--(I want this to be my primary Visa at 10k+.)

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Is this in order of how you aquired them? If so, notice the trend? I definitely don't see a $10K+ approval in the cards at this time.

Also I'd like to reiterate that Chase isn't going to like you opening a new card just to reallocate CL's. I would suggest you use the CFU as your daily driver, and PIF while gardening. Then in 6 months ask for a CLI. If it's lower than expected try recon and explain why you need a $10K CL. 

Sometimes thse things need human interaction, as there's not much negotiating with a computer.

[masspope]

@Janus — Good to know.

I actually acquired the cards in this order:

Discover It - $13700, multiple auto-CLI’s
CO Journey PC’d to Quicksilver - $2500, Credit Steps CLI, then no dice
CF PC’d to CFU - $1200, no CLI ever
Amex BCE - $11400, auto and requested CLI
CO SavorOne - $10000 SL

So it seems like CO Quicksilver and CFU are just the stragglers.

[SouthJamaica]

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@masspope wrote:
I was wondering what Chase card has the highest SL. I’m looking for a 10k+ SL that I can roll into an existing CFU. I’ve heard that some cobranded cards have more lenient underwriting and higher SL’s. Is that right?

I’m currently looking at the Marriott Bonvoy Bold. I’m in the “no annual fee” camp, and I don’t care about SUB or rewards. I just want the 10k+ CL to move over.

I’ve been getting “already approved“ offers in my Chase account for 7k CSP or 7k Southwest Plus, but I feel it’s kind of low since I have 3 10k/10k+ cards, one of them being a recent 10k approval. I would also have to pay AF’s on those 7k offers.

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I've gotten 3 Chase cards, and the one with the highest starting limit -- by far -- was the Hyatt card.