@Remedios wrote:
@masspope wrote:
Thanks for the info, Aim_High. I was kind of suspecting that.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.
Good points, @Remedios 
It is very true that @masspope's profile is very different than mine, so it's accurate to call my suggestion a generalization that might not be applicable in this scenario. However, @masspope stated, "I'm just trying to find a card that's most likely to reach 10k that I could combine into my CFU," so my advice told him how to do that, even though I never meant to insinuate he might also get $30K+ credit lines. The point was which cards that I thought he could get the highest limits with Chase, for his profile, so I still stand by suggesting the CSP for which he was prequalified or the Southwest Plus. By the way, OP, notice that the cards I suggested *DO* have AFs and I think if a card has an annual fee, it often gets a more generous limit from my experience. So I believe if the exact same credit profile applied for a Marriott Bonvoy Bold (no-AF) (OR) a Marriott Bonvoy Boundless ($95 AF), he may get a higher limit on the Boundless than the Bold. For example, my lowest SL on my recent run with Chase was on my Freedom which was only $21.9K at approval compared to the $30K to $35K approvals on the AF-cards.
I think both techniques (CLI requests after heavy regular use of CFU) combined with a future credit line consolidation might be the way for him to get in the 10K range more quickly with Chase, based on my past experience. However, I also agree, though, that adding new lines of credit soley for the purpose of consolidation on a more thin file like @masspope at the expense of adding more useful long-term cards to his wallet might be short-sighted. @masspope, at my high age of credit, I was able to add those five new Chase lines of credit pretty quickly with little impact on my credit scores since I started at 0/24. About one every 3-6 months. I wouldn't recommend that for a thinner file with younger AAoA. And with six Chase lines of credit getting regular use, I can afford to close one or even two after awhile without much of a relative impact. And I would only do it so that I could focus spending on my core Chase cards with higher CLs on each one. On the other hand, if you only have one Chase card, open a new line and close it quickly, it could have a more adverse affect on your Chase relationship. So @masspope, at this stage you may be better-off making CFU your daily driver, spend heavily on your CL and pay it off. From what I've read, especially at lower CLs, Chase will often reward that over time with auto-CLI. They like to grow limits over time as your relationship with them deepens. I never put truly heavy spend on my cards before asking for CLI and my scores were not as high as they are now. And I didn't get such a good relationship with them until I had been with them almost 20 years and had very high credit scores and income. Later on, if the CLIs are denied or insufficient, you could still consider the consolidation technique if you have thought it through for your situation.
My annual fees on my Chase cards are $450 (CSR), $95 (Marriott), and $95 (Hyatt), so $640. In my case, the SUBs on all combined with my ability to take good advantage of the perks due to lifestyle means they are a good value for me if I keep them all. That may not be the case in your situation. I may close one or both hotel cards to further consolidate limits but I have decided I'm not in a rush to do that since I value my Chase relationship and don't want to raise any flags over quickly closing new cards. And truth-be-told, the free annual night on each card actually pays me back for the annual fee if I keep them. Unless there are major changes, even at a $450 or higher AF, that CSR will always have a special place in my wallet and it gets a lot of dining-out and travel spend.
Spend-wise, my income allows me to comfortably spend several thousand dollars a month on credit cards that I can PIF. Chase got a lot of spend and pay from me in the first several months of each card in sequence for 18 months for the $4K-$6K SUB spends, and they all continue to get some regular spend. Spend-and-pay impresses them, and it probably helped me to get the high limits I have with them.
And as always, as Remy said: Good luck however you decide to proceed. 
@Anonymous wrote: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.
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.
Concur that Chase (or most other banks) don't want to see new cards closed quickly just to consolidate credit lines. I would suggest not closing a new card for at least 12 months if you decide to do it, but longer is better. If you close a card, consolidate limits, and then stop spending on the card you have left with them, it will look much worse than if your total spend remains about the same if not growing higher.
I don't think Chase allows recon on CLI requests, but you could always ask. You'd probably need some special circumstances to justify an override.
@Aim_High — My AoOA is 6 years, 4 months. AAoA is 5 years, 2 months (excluding the CO SavorOne I recently got), so I’m not sure if that’s middling or what. After I get my 4 preferred cards with $10k sorted, I’m not planning to app for any more cards (I know I can’t predict the future, but I can try. )
)
For what it's worth, there is a wide variation on what you'll get depending on card type. I recently had a "You're already approved" offer for Chase SWA Visa with a $18K SL. SWA doesn't fit my future planned travel and I'm keeping things UR. While having this offer, I went to a Chase branch to inquire as to what other offers I may have and Freedom was there. I went for the Freedom and got an $8300 SL. The SWA card had a $69 AF, which is the main reason I skipped it, along with wanting to complete the Trifecta.
Same profile, but almost $10K difference just because of different card products.
@ChargedUp wrote:For what it's worth, there is a wide variation on what you'll get depending on card type. I recently had a "You're already approved" offer for Chase SWA Visa with a $18K SL. SWA doesn't fit my future planned travel and I'm keeping things UR. While having this offer, I went to a Chase branch to inquire as to what other offers I may have and Freedom was there. I went for the Freedom and got an $8300 SL. The SWA card had a $69 AF, which is the main reason I skipped it, along with wanting to complete the Trifecta.
Same profile, but almost $10K difference just because of different card products.
Thanks for those DPs, @ChargedUp ! Your experience mirrors mine. I have noted the same thing about SL's. I have posted my theories in other threads with my ideas and some have disagreed, but your example, combined with mine and other postings I have seen seems to validate my ideas.
(1) Starting limits *DO* vary by the card type issued. I.E.: If the exact same credit profile were to be able to apply for two different cards in parallell universes (independent of the other app), the SLs would likely be different on different credit card products, even with the same identical lender and all other factors the same.
(2) Starting limits *ARE* typically higher on AF cards. And in general, higher AF cards get higher limits. So a $450-$550 AF card with the same lender would get a higher SL than a $95 AF card. (In my case, I got $35K on my $450-AF CSR. I got $30K-$33K on my $95-AF Marriott and Hyatt. And I got $21.9K on my no-AF Freedom. All submitted roughly within the same time period with similar scores and income. And the low approval did not come last. It was in the middle. I also believe if I had app'd for the CSP instead of the CSR, Chase would probably have given me a slightly lower CL on it, perhaps in the $25K to $33K range.)
(3) TRAVEL cards (which are typically the cards with AFs) typically get the highest SLs. CSR/CSP. CITI Prestige/Premier. USB AR. Any co-branded hotel or airline credit card product.