@vinster95 wrote:@SouthJamaica Good to know with the credit seeking behavior stuff. I think the anxiety stems from an Amex financial review I had randomly about a year and a half ago. And I guess my worry is I don't want another one from them.
Interesting on the "no reason to think that" part. Is there a reason why?
Your post indicated that you thought a CLI on your Capital One card would get you a larger starting limit on your Chase card. I was addressing that when I said there's no reason to think that. Why? Because there is no reason to think that.
I feel like everyoneeee I see gets 20k minimum from the CSR. So I guess its just in my head that 12k seems "low".
Trusting you know better than me here though. So maybe accepting the offer would be best. Is Chase historically pretty good about growing limits?
There's no meaningful history, because things have changed dramatically with Chase CLI's lately. It used to be that CLI applications were hard pull, Chase was not very liberal about approving them, and the best way to get a CLI was the occasional auto-CLI that sometimes follows increased spend on the card.
But recently there has been a big shift. CLI applications are now soft pull, Chase appears to have become more reasonable about approving them, and there's no need to wait around for the gift of an auto CLI any more.
