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COMPLETE! Chase Slate Credit Line Limits, New App or BT & CLI on Disco?

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Regular Contributor

COMPLETE! Chase Slate Credit Line Limits, New App or BT & CLI on Disco?

1. Was wondering what are MF's Mass experienced lately on Chase Slate(BT at 0% for 18 month) CL Approvals?

Quick info here:

AAoA: 3.7y
Util: 22% on 70K limit overall, next month goes to 24% or so on 80K, so 1 more acct at 10K will be added and AAoA will tank.
Currrent Exp/TU Fico 8: 743-744.
Exp has 4 enq(1 is month old, rest are 18 month)
TU has 2 inq(1 is 1 month old, second is 17 month)
Income: above 130k.
Already have CSP(15k/ 5800 used, was a BT, parked at 0% for a while) & CFU 12K(0 Bal).
DISCO IT 4100 with 1850 Bal(1700 parked at 0%)

Clean File - no baddies.

2. OR Move over 7K CL from CFU from to CSP and BT 1000 to it from DISCO, this should put me at less that 28% util there(CSP) and pull the trigger on HP on Disco.

Disco has been yanking my chain for the past 18 month with almost no CLIs. Current(from last month) Disco Fico8 is at 720.

My Goal is get a CLI on DISCO, currently at 4100, preferably with no HPs(I'm shy like that).

Soup, I know right...?

Thanks.

Summer...

7 REPLIES 7
Regular Contributor

Re: Chase Slate Credit Line Limits, New App or BT & CLI on Disco?

^^^ That, sorry forgot to subscribe.

Message 2 of 8
Frequent Contributor

Re: Chase Slate Credit Line Limits, New App or BT & CLI on Disco?

There are a few things here I find confusing, but let me start with one. Why, when your aggregate credit goes UP by over 14% do you expect your Util to go up too. It should be the other way around and it goes down. Are you also planning a big spend?
Message 3 of 8
Super Contributor

Re: Chase Slate Credit Line Limits, New App or BT & CLI on Disco?

OP which other cards do you have, what are their limits?

What is the new card on the way?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
Message 4 of 8
Valued Contributor

Re: Chase Slate Credit Line Limits, New App or BT & CLI on Disco?

Op, unless I am misunderstanding something, why would you be HP on Discover for an increase? The do SP's online. As for the approval, ymmv is always going to come into play when it comes to not only the possibility of approval, but the SL that you get. It would appear that you have more of a chance at approval then getting denied. But that is only me looking at the info you listed.
                               

Total Credit: $240,100Credit Utilization: 1%AAoA: 5 years, 7 monthsInstallments: Car Lease, Marcus LoanNegatives: 0

LOWES-35k | BOA-32.5k | AMEX-30k | DISC-27.1k | ALLIANT-25k | NFCU-25k | BARC-15k | BBUY-12k | CHASE-10k | WAL-10k | CITI-9.7k | PENFED-9.7k


Message 5 of 8
Regular Contributor

Re: Chase Slate Credit Line Limits, New App or BT & CLI on Disco?

Hi All, Thank You for responding.

 

So this is what I have currently:


Card/BALANCE/LIMIT
CSP ~5,800/15,000
CFU 0/12,000
Amex BCE ~1,200/18,000
Cap1 Venture ~5,885/20,000
Cap1 SAVOR 0(5,800)/10,000
DISCO 1,850/4,100

 

Cap1 SAVOR(0% interest on BTs) is a new card and did NOT report yet. I did a BT from CSP a few days ago and had Chase do a manual report to CRAs. It will not report for another 10 days I'd assume.

 

What I was thinking about doing is moving 7K CL from CFU to CSP and have Chase rereport higher CL on CSP, this way the UTIL much will be less than 29% on that card.I will not be using CFU from now on, the interest ls almost 25%. I did get Auto CLI on CFU not long ago.

 

Now Disco has 720 Fico TU score from last month, the 17th, so it will update that score but only on 17th this month. Current TU Score is 743. So once Savor reports I am assuming that AAoA will go down, and UTIL will go UP but still be at about 25%. The total CL will go up by 10K. too. I have this card for almost 5 years and they woun't budge on CLIs. Started wit 1200 I think.

 

So I have to resort to a hard pull from Disco to get the current Util and Score. My Goal is actualy to get a better CL on Disco. I did a CLI Request little less than 2 month ago when the score was 675 on 10/17 - no sigar, At that point Util was at 32%.

 

Almost all of the Debt I have is parked on these CCs at 0% for another Year or so, did some creative dancing with BTs a few month ago.

 

We have a health related expenses coming up worth several thousand $, good kind of debt Smiley Wink

 

So I was looking at increasing my CLs across the board, while I can...

 

What do you think?

Message 6 of 8
Regular Contributor

Re: Chase Slate Credit Line Limits, New App or BT & CLI on Disco?

Just did CLI Request on Disco, "No love" Button, SP.  Nara. Leaves me with less chances later on, but takes certanty to a better level...

Message 7 of 8
Regular Contributor

COMPLETE! Re: Chase Slate Credit Line Limits, New App or BT & CLI on Disco?

So after getting no love from Disco I just went to a local Chase bank.

 

Requested $51 that I overpaid on CFU and was told that the will be mailing me a check.

 

Touche. I live 4 houses from that building. But Anyway....

 

After waiting more than an hour in line and being dissed by bunch of ..... Apped for Freedom...

 

BOOM SHAKALAKA BOOM, BOOM, BOOM...

 

15K on a spot!!! Trifecta Now!

 

Need to figure out how to change that Ruby stone in my Sig now.

Message 8 of 8
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