CHASE- from AA and CLD to CLI !!!

[racer-x]

Soooo, after Chase dropped the hammer on me in November with AA and CLD, I called today to discuss the matter.

This is what I got via SP and some talking to:

CSP - original $15k to $4.8k to $10k

Freedom - original $6k to $2.2k to $6k

Slate - original $3k to $1.5k to $3.5k

What I did over the past 4-5 months since the CLD's:

-PIF'd the balances that I was carrying at the time ASAP

-continued to use the cards

-continued to PIF

-and continued to pay down my total revolving acct balances.  (she mentioned that she could see that my overall debt had been decreasing...a nice trend for them to see apparently.)

-She didn't say anything about the USuck acct at 82% utiliz.

Obviously I love CHASE again...never was really mad, just a bit salty that they did extend the courtesy by calling lst like BoA did during that time.

[CreditCuriosity]

Obviously I have commented on your other situations, glad you got most of your limits back with Chase, sucks your CSP didn't quite get back to the 15k limit, but 10 is deffinetly acceptable and other limits as well all by SP..  Ya the were just limiting their risk, but stinks how banks go about doing this for the most part.. Glad the bleeding has ended!  

[Anonymous]

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Even if you drive me crazy in the Understanding FICO Scoring forum, I'm glad to see that they restored some of your CLs.  Good to know that Chase will adjust upwards after an AA.

[chalupaman]

Yay! I'm very glad you were able to get your limits nearly back to where they were before and they seemed very easy to work with.

I love that. 

[Gunnar419]

Yeah, that's a remarkable turnaround, racer-x. Good going and thanks for sharing details of how you did it.

[racer-x]

Lmao. Im really not the {Mod cut} some may believe.

Since the cld's as recent as january, ive sp'd my way to $21.6k in cli's and 1 new venture at $10k, and one nasafcu denial that im reconning.

Discover said im more than welcome to try the hp cli if i want. They sai a few more months of good behavior and they should be able to sp cli me.

Usuck bank can still ead and diaf though.

Thanks fellers

[chalupaman]

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@racer-x wrote:
Lmao. Im really not the {Edited} some may believe.

Since the cld's as recent as january, ive sp'd my way to $21.6k in cli's and 1 new venture at $10k, and one nasafcu denial that im reconning.

Discover said im more than welcome to try the hp cli if i want. They sai a few more months of good behavior and they should be able to sp cli me.

Usuck bank can still ead and diaf though.

Thanks fellers

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I would say the same thing to Citi. Closed my Lowes card for nothing just to try to get them to reopen my accounts and was so mad for a while.

Since then I've more than made up for the losses in other ways and having a better portfolio of cards than I did before and higher limits on a couple too.

[racer-x]

Oh, one thing the analyst/UW said that stuck with me was....'be sure to keep your balances below 33%'..  I guess she's referring to the balances that you may carry and not  the amount of your available credit that you may use during a cycle.

[Anonymous]

Awesome.

Ive yet to get any CLI from Chase, lol.

[racer-x]

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@Anonymous wrote:
Awesome.

Ive yet to get any CLI from Chase, lol.

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How's the saying go, sometimes you have to go backwards to go forwards....

I went backwards $30.4 k's worth, but gained $31.5k since the AA/CLD's 3-4 months ago....so I'm $1,100 in the black.