Chase Card With Highest SL

[masspope]

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.

[AverageJoesCredit]

A Chase CSR starts out at 10k minimim . Unfortunately unless you get a specific already preapproved offer with stated sl, you cant be certain of a 10k spproval. Having multiple 10k cards in ones profile doesnt mean you will be given one or is guaranteed from any lender. If you are under 5/24 just go for the Chase card that best suits your needs and roll the dice. Good luck

[MasonK]

I'm not sure that there is a good answer for 'highest starting line', just minimum starting line based on the Visa type (standard, Signature, or Infinite). Final approval limits will be based on credit profile, bank history/relationship with spend levels and payments, etc.

The better question is which card suits your needs. If rewards and SUB don't matter, then a specific card like Bonvoy seems irrelevant next to a Freedom, but maybe I'm misunderstanding your position. If you don't get a $10k+ line at the starting point, I'm not sure what difference that makes beyond having a credit portfolio that you can flex on.

Can you give a little more context as to what your goal is?

[masspope]

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+.)

[MasonK]

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@masspope wrote:

I'm just trying to get a Visa with a 10k+ limit so that I can have 10k+ cards with each network. 

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That's a fair answer.

My experience with Chase (which is true for all my issuers) is to use their card. A lot. When they see a lot of swipes and a lot of spend, they will roll out the red carpet. My only personal DPs with Chase are an Amazon Prime card opened 5/19 @$6500. Ran all spend through it and got an auto-CLI to $7,500 after 3 months. I kept jamming all spend through it for 7 months and just got a CSP for $15.2k. That is my first ever CL over $10k between Discover, CapOne, Goldman, Synchrony, and Chase.

Use your Chase card a lot, and in three months, go for a CSP or CSR (if those fit your lifestyle). 

[MasonK]

Sorry- juggling a few threads right now and forgot this was a no-AF question. Ignore the CSP/CSR part.

I think you'll probably get a decent enough SL on any Chase card given your other cards. You might need to move lines around a bit. The only way you'll know is if you take a bite at the apple.

[masspope]

No need to apologize. Thanks for the help. I'm planning to go for it in about a year. I have a possible car loan coming up in about 6 months, and I just got SavorOne, so I need to garden for the moment. I just thought since I had a "big boy" job and "big boy" expenses, I should have big boy credit limits to go along with them.

[Remedios]

Occam's razor solution .. ask for a CLI
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.

[masspope]

I'm just concerned about the amount of the CLI. From what I've heard, Chase gives stingy CLI's, if they give them at all, and the numbers I've seen are typically a doubling of the CL. (I don't think Chase would do a CLI from $1200 to $10000 or anything close.) 

[coldfusion]

If you really want to adopt a go-big-or-go-home strategy with Chase you're looking at the likes of a CSR ($10K min SL) or United Club ($15K min SL).  You've already said that you follow a no-AF paradigm which is totally reasonable but that isn't compatible with acquiring a Chase card whose approval comes with a guaranteed 5-figure SL.

As Remedios pointed out, you can always apply for a CLI.   If you aren't satisfied with the result you can call them and ask for a reconsideration.