@GatorGuy wrote:
@FinStar wrote:
@GatorGuy wrote:So weird you can't get major credit limit increases running so much through your cards.
Are you not able to show sufficient income?
Below is a snippet from a prior discussion, but I'm sure the OP can elaborate further on their profile.
https://ficoforums.myfico.com/t5/Credit-Cards/Best-credit-card-for-travel/m-p/6300062#M1773674
I read that whole thread. 😂
@FinStar wrote:
@GatorGuy wrote:So weird you can't get major credit limit increases running so much through your cards.
Are you not able to show sufficient income?
Below is a snippet from a prior discussion, but I'm sure the OP can elaborate further on their profile.
https://ficoforums.myfico.com/t5/Credit-Cards/Best-credit-card-for-travel/m-p/6300062#M1773674
Well it turns out I fell victim to the typical chase didn't check my credit profile and decided to check it more thoroughly two months in, OR I triggered a fraud alert when I used my Wisconsin DL to open an account in NJ where I had moved to not too long prior with a NJ address and they didn't like that, because I had all my accounts terminated with them not just my CC (they closed my checking and I was like **bleep**? Let me open another one online! And that triggered both accounts to be closed) now the reason for checking being closed was fraud they stated that, for the cc? Was it just a coincidence that it closed at the same time? Maybe? But they said it was due to high balances on chase account (I did a balance transfer because why wouldn't I? I got a BT promo offer) and high util overall and nr of inquiries (they knew that when I applied for the card... it was the only card I applied for at the time so nothing drastic changed on my profile and I can only assume it was negligence on their part for opening the account in the first place.
And just so you guys can see those are my citi and Amex statements to give you an idea of how much I put through the cards and my limits (amex is a 2k preset limit) citi got raised to 4k a few months ago from 2500. I'd be putting more through amex but sometimes I get fed up having to wait 20 minutes on the phone for them to call my bank to see if my previous payments went through (I eat out every night and sometimes it's 2-3 1.5k plus dinners in a row meaning I'd have to pay the card off every night then they freak out about my payments not clearing and block all charges until payment verification or balance check) end up just using my WF cc because at least being a transfer from my bank account they'll let me pay and spend the money right away (have wf checking)
Well, we don't really need purchase protection or warranty with restaurants, so perhaps use debit for those bills for a while?
Was your Chase account closure of your only checking account? That might crimp the above, but another checking bank would set that up.
Did you indicate there is another IV coming up with AMEX? If you can get that verification completed, get the hard limit removed from the Gold card, that would be a big help to you. Then you aren't cycling so many payments and allow the NPSL to adjust to your spend patterns. Even if they don't initially approve, or it drags out in time, I'd suggest being patient, as the NPSL is intended for big spenders.
I'd also suggest doing an honest review of what caused Chase to close accounts. Look at it from Chase's perspective and try to see where they may see risk, how it might have looked like fraud. Even if you know all the facts, the banks do not, and are forced to make decisions on less than perfect data.
