Should I reply?

[ray8806]

I sent a secure message to Chase asking for my Freedom to be upgraded to a Siggy. (I know it is wishful thinking with only a $2,200 limit), but they responded that I need a $5K limit and asked for my income, etc. with the disclaimer that they'd pull my credit to see if they can do the increase.

Should I reply to it? Or should I let it be?

[chalupaman]

You're better off getting a new Chase card and consolidating part of the limit over to your Freedom. How about trying for a CSP? They tend to give pretty good limits on those too and they go great with the Freedom if you're into transferring UR points.

Are there any other Chase cards you're interested in having? I also see that a lot of your cards are still relatively new. Not a bad start there.

[Anonymous]

I would just apply for the CSP it will be an auto siggy and you can combine both ur points . and now freedom has 5% cashback on gas

[ray8806]

Hmm, I'd love to have the CSP, but Ive been thinking about waiting a little bit so I can let everything age and I can get a really good limit on the CSP.

Any other Chase cards? Not really. Long-term, I want the Palladium (wishful thinking hehe, I know) but there aren't any others I'd use. The Ritz has nice benefits and all but I never stay at Marriott properties so it doesn't help me any.

Yeah, all of my stuff is new really. My first card was my CapOne in August of 2014. I may end up closing my Tyndall FCU one though.

[Jaylima91]

Don't hold back on a CSP and instead apply for another Chase card just because you want a better limit with the CSP when you decide to apply for it. You never know what you will get and how they will react to having three Chase products at that moment. My suggestion is go straight for the CSP and don't look back. When I got my CSP I assumed there was no chance in hell they would approve me for it and to my surprise it was instantly approved. Credit profiles change drastically over time and you won't know where you'll stand by the time you feel "ready" for the CSP.

[ray8806]

Is it a good idea to apply for it right now though?

Being that my revolving history is so new and that the CSP doesn't have that great of an offer?

[red259]

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@ray8806 wrote:
Is it a good idea to apply for it right now though?

Being that my revolving history is so new and that the CSP doesn't have that great of an offer?

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No, don't apply just because someone on a board told you to. You have a thin file and have four cards in less than six months. I'd wait if I were you. I'm suprised you even got the freedom with that thin of a file. You have a nice foundation and it would be a pity to risk screwing it up now. The CSP isn't going anywhere. 

[kdm31091]

You sound like you aren't sold on the CSP. Don't app for it just because a lot of people have it/like it. Do it if it suits you. CSP is a nice card, but worthwhile only if you can justify the AF. If you aren't a big traveller, or big spender really, you won't make up for it and it's useless. You can transfer your points from Freedom to it, which increases the value somewhat.

[ray8806]

That's what I was thinking. I didn't think that the CSP is a good idea being that I'm new to credit and it doesn't have that great of an offer.

[chalupaman]

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@ray8806 wrote:
That's what I was thinking. I didn't think that the CSP is a good idea being that I'm new to credit and it doesn't have that great of an offer.

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Very understandable. No rush. Whenever you truly want another Chase card and you feel confident about everything aging, I'd still look into those options though.