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@jamesdwi wrote:how do your INQ's look like for the last 6 months, if 1 or 0, might want to AP for a CSP, good signing bonus. and may give you a $5k limit if they go above that you can move part of the over $5k limit to your freedom. if you want a sure thing go for a Slate card, than divide the limit between freedom and the slate keep the slate for 6 months just for appearances on your credit report. then move remaning CL to your freedom card and close the slate.
It's usually easier to get a new card than a decent CLI, when they do a HP CLI they compare your requested CL with the cards existing CL don't expect a 10x increase over your current $500 without a manual review, When you apply new they will look at all cards incouoding the 13k CL joint card so you should get a much higher CL.
Interesting idea! He has 6 inquiries, 4 of which are auto loan related. Do you happen to know if Chase allows you to split the limit immediately or is there a waiting period after opening the new account?
@jamesdwi wrote:how do your INQ's look like for the last 6 months, if 1 or 0, might want to AP for a CSP, good signing bonus. and may give you a $5k limit if they go above that you can move part of the over $5k limit to your freedom. if you want a sure thing go for a Slate card, than divide the limit between freedom and the slate keep the slate for 6 months just for appearances on your credit report. then move remaning CL to your freedom card and close the slate.
It's usually easier to get a new card than a decent CLI, when they do a HP CLI they compare your requested CL with the cards existing CL don't expect a 10x increase over your current $500 without a manual review, When you apply new they will look at all cards incouoding the 13k CL joint card so you should get a much higher CL.
+1
Assuming they approve for anything higher on another product, then this would seem like a viable option.
@k-s wrote:
@jamesdwi wrote:how do your INQ's look like for the last 6 months, if 1 or 0, might want to AP for a CSP, good signing bonus. and may give you a $5k limit if they go above that you can move part of the over $5k limit to your freedom. if you want a sure thing go for a Slate card, than divide the limit between freedom and the slate keep the slate for 6 months just for appearances on your credit report. then move remaning CL to your freedom card and close the slate.
It's usually easier to get a new card than a decent CLI, when they do a HP CLI they compare your requested CL with the cards existing CL don't expect a 10x increase over your current $500 without a manual review, When you apply new they will look at all cards incouoding the 13k CL joint card so you should get a much higher CL.
Interesting idea! He has 6 inquiries, 4 of which are auto loan related. Do you happen to know if Chase allows you to split the limit immediately or is there a waiting period after opening the new account?
I did mine within 30 days, so I dont see why not. Worse case they'll make him wait until he gets and activates the card.
For what its worth, I too, received an initial CL of a measly $500.. I immediately attempted a recon that therefore resulted in a HP for a sorry $100 CLI. I have since received (2)AUTO CLI's that now leaves me to stand with a CL of $1300, which makes their "balance transfer" offers something to laugh at .....
@k-s wrote:
We ended up following jameswi's suggestion.
I checked Chase's online prequal and it showed a 'preselected offer' for the Slate, so we went for it. The app was instantly approved for 2k. DBF HATES calling CCC, but I bargained with him and he agreed to call when the card arrived and we'll try to get a higher CL, but even at 2k, I'm happy. We'll either move over the entire CL and cancel the Slate or if they won't let us do that, we'll move 1.5k, leave the Slate open and SD it.
Thanks all for your help!
You may be able to do it via a secure message via the web site. So he won't have to talk, have to talk on the phone. And the online messages tend to get results without having to try multiple CSR's or trying to explain what you are saying.
I am going to be 100% honest with you, while searching these boards I am happy to see people approved with the Freedom for several thousands of dollars. My Chase is at 1k and next month I would of had it for 2 years exactly. ..I used to run money through my card as well. (past tense) I would not personally waste a Hard Pull on Chase. Out of 10 CC, Chase is my lowest "BY FARRR".. if you can, wait until the credit profile improves and you will start laughing at that $500 credit card.Some credit cards are known for high starting credit limits,,,,, I really dont think the Chase Freedom is on the top of that list
Chase Freedom - not really much Freedom at all Goodluck and nice move with the slate.