J.P Morgan Ritz Carlton Approved with Low Limit

[Anonymous]

This is my only card from Chase and won't be applying anymore cards from them. So just wanna make I have good CL on this card with them

[FinStar]

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@Anonymous wrote:
This is my only card from Chase and won't be applying anymore cards from them. So just wanna make I have good CL on this card with them

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Give it some thought and see if you want to pursue the UW/reconsideration channel to determine whether you qualify for anything higher.  They would be the only ones that can make that decision.  Did you satisfy the 2006 CO?  It may come up for discussion during the review process plus anything else they may want explained.

[Anonymous]

Yea I did satisfy that CO in 2011. Otherwise they won't have approved me for this card. So, I will wait for this card and will request for higher CL at the time of Activation

[Anonymous]

If you request a higher CL, they will do additional inquiries, and even after they might decline your request.

A card with high AF may not necessarily mean high CL either. Your income and CR are the main determinants of your CL.

[Anonymous]

Income is in high six figures and fico score is from 720-740

[Anonymous]

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@Anonymous wrote:
Income is in high six figures and fico score is from 720-740

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what is your AAoA? How many new accounts and inquiries? Utilization? Any other derogs besides that charge-off?

My advice is to wait 6 months and then ask for a CLI. Typically people get the "best bang for the buck" that way. Asking for a CLI immediately upon account activation are usually declined, or the CLI isn't as substantial unless you can come up with a convincing reason why you need that CLI (i.e. BT).

[MustangSaluki]

Is the JPM R-C hidden tradeline?

[Anonymous]

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@MustangSaluki wrote:

Is the JPM R-C hidden tradeline?

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I don't think it is.

[Anonymous]

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@Anonymous wrote:
@FinStar I thought chase would always match the highest CL. Atleast that's what I read on these forums

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That must be very selective reading!   There are lots of threads discussing whether issuers match or not, and, as usual for most interesting questions here, the conclusion has to be YMMV.   Certainly nothing like Chase always matches, my own accounts are a counter example to that.  And it's more like 50/50 from those that report.

[CreditScholar]

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@Anonymous wrote:

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@MustangSaluki wrote:

Is the JPM R-C hidden tradeline?

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I don't think it is.

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I'm almost certain it reports. I haven't checked in awhile, but the last time I looked it was on there.