cancel
Showing results for 
Search instead for 
Did you mean: 

Low CL, but back in with Chase!!

tag
goal_digger
Regular Contributor

Low CL, but back in with Chase!!

I know this has been said time and time again on the boards, but Chase NEVER forgets. Ever.

 

Decided to take the plunge and app earlier than anticipated to take advantage of the new $200 offer and got the 30-day messsage.  Called in and was declined because of an account I had with them in my young, foolish college years in the late 90's.  **gasp**.  Called back with my CR in hand and was approved for a super low limit.  Normally, I would have laughed at it, but with one of my goal cards being the CSP, I said thank you so emphatically the analyst must have looked at the phone in disbelief, wondering, "did she hear the limit I gave correctly?" 

 

Knowing Chase and the fact that I had a CO with them 14 years ago, I took it like a champ and will rebuild my relationship with them slowly, but surely.  Let the gardening begin!

In order of approval...
Fico Scores: EX 721 | EQ 723 | TU 719
Goals: Reduce util, obtain soft-pull CLIs and 720 across the board.
Message 1 of 8
7 REPLIES 7
myjourney
Super Contributor

Re: Low CL, but back in with Chase!!

Congrats your back in now treat it right for the CSP

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 8
mnavas
Frequent Contributor

Re: Low CL, but back in with Chase!!


@goal_digger wrote:

I know this has been said time and time again on the boards, but Chase NEVER forgets. Ever.

 

Decided to take the plunge and app earlier than anticipated to take advantage of the new $200 offer and got the 30-day messsage.  Called in and was declined because of an account I had with them in my young, foolish college years in the late 90's.  **gasp**.  Called back with my CR in hand and was approved for a super low limit.  Normally, I would have laughed at it, but with one of my goal cards being the CSP, I said thank you so emphatically the analyst must have looked at the phone in disbelief, wondering, "did she hear the limit I gave correctly?" 

 

Knowing Chase and the fact that I had a CO with them 14 years ago, I took it like a champ and will rebuild my relationship with them slowly, but surely.  Let the gardening begin!


Congrats! What's the CL? It's nice you're in with Chase again. Treat this card well and im sure it'll grow with you overtime

Message 3 of 8
goal_digger
Regular Contributor

Re: Low CL, but back in with Chase!!

Thanks, guys!  I'm gonna make them work for me.. after I put the work in with them first Smiley Wink

In order of approval...
Fico Scores: EX 721 | EQ 723 | TU 719
Goals: Reduce util, obtain soft-pull CLIs and 720 across the board.
Message 4 of 8
aqualife
Valued Member

Re: Low CL, but back in with Chase!!

Congratulations! I, too, am attempting to build my credit and just recently got approved for the Chase Freedom. Interesting fact that I haven't read from any of the posts about the Chase Freedom is that they also match an automatic 10% of your rewards points at the end of the year simply for having a Chase Checkings Account.

Message 5 of 8
coldnmn
Mega Contributor

Re: Low CL, but back in with Chase!!

Congrats! I'm black listed, would love to get back in with them. Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 6 of 8
alvon123
Super Contributor

Re: Low CL, but back in with Chase!!

Congrats!!!     Wow,  you are right after 14 years I would have thought Chase would have purged their records by now.


Message 7 of 8
goal_digger
Regular Contributor

Re: Low CL, but back in with Chase!!


@alvon123 wrote:

Congrats!!!     Wow,  you are right after 14 years I would have thought Chase would have purged their records by now.


I would have thought so, too!  But they were very serious.  Even though I was approved, they started me with a <1k CL.  I guess that's their way of saying "prove you're worth us giving you another chance"  Smiley Frustrated  I'm tempted to ask for 1k when I call in to activate but am leary of it being another HP.

 

@aqualife - I'm considering opening an account and starting to direct deposit some of my paycheck there just to reap that very benefit! Thanks for the sharing Smiley Happy

In order of approval...
Fico Scores: EX 721 | EQ 723 | TU 719
Goals: Reduce util, obtain soft-pull CLIs and 720 across the board.
Message 8 of 8
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.