I applied for a Chase Slate that I was preapproved for and got the 7-10 day message online. I called the automated system and was told they would need 30 days for a decision, so I called the recon and was approved for only $500. I asked the lady if she could increase the limit and tried to explain why but she didn't seem in the mood to even listen. The reason I need the card is to cover a tuition payment (3550) and take advantage of the 0% intro rate.
Currently I have a Freedom w/ 1.7k and a Sapphire Pref w/ 5K limit. Balance on the Freedom is around 100 and the CSP was paid off completeley after the application (should have done it before, but I am on a time constraint due to the tuition payment). I was also removed from a Chase Marriott where I was an AU, that one had a balance of 11.5k w/ a limit of 12k. However, the payment for the CSP and the removal from the Marriott were too late to be considered in this application, I think.
My question is, should I try another HP this week and see if they raise the limit? Or simply try to move 2k limit from the CSP to the Slate so I can cover the payment I need and then do the HP for the increase in Jan or Feb?
EXP score is 713, TU 698. Disclosed 45k income w/ 815 rent payment. Also have a 360 car payment and some student loans in deferrment.
