Well I applied for and was instant approved for a Sapphire card for 5k. I was looking for around 7.5k instead, more in line with my other cards. I noticed on the confirmation email from Chase it said that I could speak with a representative about the credit limit if it did not meet my needs when I called to activate the card. So I did just that, and she said no. Out of curiosity today I was searching on here for an app status site or number and found this backdoor number and called to see why they turned me down. She said it was because the time it was opened was to short (so apparently the rep on the activation line just did a standard request). I explained to her that I needed a higher limit to accommodate my monthly charges and so that I did not need to worry about paying it off before the statement close date to avoid them reporting a maxed card. She asked if I wanted to have the request reprocessed and I said yes please. She inquired about several of my other cards, how much I paid on them and why they had a balance (0% promos). Gave her some other info and was on hold for 5 mins and she came back to say that she increased the line to 7.5k like i wanted.
On a side note I have been requesting a CLI on my Freedom card for years and have only ever managed a 200 auto on the card. So From 0 to 5k to 7.5k in a day on the Sapphire makes me think that they may have product bias, so take that into consideration when requesting a CLI on activation, and make sure you follow-up with a financial rep if the customer service request turns you down.
Good luck!
@kawaiiguy wrote:Well I applied for and was instant approved for a Sapphire card for 5k. I was looking for around 7.5k instead, more in line with my other cards. I noticed on the confirmation email from Chase it said that I could speak with a representative about the credit limit if it did not meet my needs when I called to activate the card. So I did just that, and she said no. Out of curiosity today I was searching on here for an app status site or number and found this backdoor number and called to see why they turned me down. She said it was because the time it was opened was to short (so apparently the rep on the activation line just did a standard request). I explained to her that I needed a higher limit to accommodate my monthly charges and so that I did not need to worry about paying it off before the statement close date to avoid them reporting a maxed card. She asked if I wanted to have the request reprocessed and I said yes please. She inquired about several of my other cards, how much I paid on them and why they had a balance (0% promos). Gave her some other info and was on hold for 5 mins and she came back to say that she increased the line to 7.5k like i wanted.
On a side note I have been requesting a CLI on my Freedom card for years and have only ever managed a 200 auto on the card. So From 0 to 5k to 7.5k in a day on the Sapphire makes me think that they may have product bias, so take that into consideration when requesting a CLI on activation, and make sure you follow-up with a financial rep if the customer service request turns you down.
Good luck!
Congratulations. I hope you understood that 'reprocessed' meant HP.
@09Lexie wrote:
@kawaiiguy wrote:Well I applied for and was instant approved for a Sapphire card for 5k. I was looking for around 7.5k instead, more in line with my other cards. I noticed on the confirmation email from Chase it said that I could speak with a representative about the credit limit if it did not meet my needs when I called to activate the card. So I did just that, and she said no. Out of curiosity today I was searching on here for an app status site or number and found this backdoor number and called to see why they turned me down. She said it was because the time it was opened was to short (so apparently the rep on the activation line just did a standard request). I explained to her that I needed a higher limit to accommodate my monthly charges and so that I did not need to worry about paying it off before the statement close date to avoid them reporting a maxed card. She asked if I wanted to have the request reprocessed and I said yes please. She inquired about several of my other cards, how much I paid on them and why they had a balance (0% promos). Gave her some other info and was on hold for 5 mins and she came back to say that she increased the line to 7.5k like i wanted.
On a side note I have been requesting a CLI on my Freedom card for years and have only ever managed a 200 auto on the card. So From 0 to 5k to 7.5k in a day on the Sapphire makes me think that they may have product bias, so take that into consideration when requesting a CLI on activation, and make sure you follow-up with a financial rep if the customer service request turns you down.
Good luck!
Congratulations. I hope you understood that 'reprocessed' meant HP.
There was no additional pull. I am assuming it's because I had just opened and received the card and they still had current info; that would have been just be dastardly to do to a person, tho I've seen worse from other companies.