CSP and Chase exposure

[manwoot]

If you are declined, when you recon they will tell you you've reached the max exposure they're willing to give you.  Happened to me when I applied for my Freedom.  I had $5,000 worth of CL moved to the Freedom and closed the other card.

[j_casteel]

Why do you think you hit your ceiling? Low income? Several folks have 3+ Chase cards with 5 figure limits.

[EaglesFan2006]

I meant 3 HPs because it would be two to try and raise the other 2 limits and one for the CSP..

Thanks Lexie!  But what do you mean by "move the Disney line first"

[EaglesFan2006]

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@j_casteel wrote:
Why do you think you hit your ceiling? Low income? Several folks have 3+ Chase cards with 5 figure limits.

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I don't know if I have or not...I'm just speculating since I know they have a ceiling.

[09Lexie]

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@EaglesFan2006 wrote:

I meant 3 HPs because it would be two to try and raise the other 2 limits and one for the CSP..

Thanks Lexie!  But what do you mean by "move the Disney line first"

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If you were approved and had to reallocate some CL's, I would move most of the Disney Visa.  You can still have the benefits for Disney Parks but get the 2% for travel/dining with the CSP. 

[coldnmn]

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@EaglesFan2006 wrote:

I meant 3 HPs because it would be two to try and raise the other 2 limits and one for the CSP..

Thanks Lexie!  But what do you mean by "move the Disney line first"

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She probably meant move it to the Freedom for a better chance of getting the Freedom to $5k

[EaglesFan2006]

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@09Lexie wrote:

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@EaglesFan2006 wrote:

I meant 3 HPs because it would be two to try and raise the other 2 limits and one for the CSP..

Thanks Lexie!  But what do you mean by "move the Disney line first"

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If you were approved and had to reallocate some CL's, I would move most of the Disney Visa.  You can still have the benefits for Disney Parks but get the 2% for travel/dining with the CSP. 

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I have no experience in moving lines, but from what I'm reading it sounds like you are saying that they might deny me, and then if I recon say that they could approve me if I move lines?  I'm just trying to picture this scenario so I don't sound like a lost soul if I do call.  Or, is moving lines something I should ask about beforehand?  I guess I just don't get it because I have 8k in exposure to them now, and I still would if I moved a line around....

[dodgerslv]

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@EaglesFan2006 wrote:

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@09Lexie wrote:

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@EaglesFan2006 wrote:

I meant 3 HPs because it would be two to try and raise the other 2 limits and one for the CSP..

Thanks Lexie!  But what do you mean by "move the Disney line first"

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If you were approved and had to reallocate some CL's, I would move most of the Disney Visa.  You can still have the benefits for Disney Parks but get the 2% for travel/dining with the CSP. 

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I have no experience in moving lines, but from what I'm reading it sounds like you are saying that they might deny me, and then if I recon say that they could approve me if I move lines?  I'm just trying to picture this scenario so I don't sound like a lost soul if I do call.  Or, is moving lines something I should ask about beforehand?  I guess I just don't get it because I have 8k in exposure to them now, and I still would if I moved a line around....

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If you are going to use a HP for a CLI request, i would personally take my chances and use that HP for the CSP. You have history with Chase and you gotta remember they also have their own internal scoring. If you really want the card then just apply for it, you may actually be surprised. If you get the pending message the call right away and let them know that you are willing to reallocate limits or even close a card. It comes down how bad you want the card...good luck and keep us updated if you decide to go for it eagle!

[09Lexie]

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@dodgerslv wrote:

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@EaglesFan2006 wrote:

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@09Lexie wrote:

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@EaglesFan2006 wrote:

I meant 3 HPs because it would be two to try and raise the other 2 limits and one for the CSP..

Thanks Lexie!  But what do you mean by "move the Disney line first"

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If you were approved and had to reallocate some CL's, I would move most of the Disney Visa.  You can still have the benefits for Disney Parks but get the 2% for travel/dining with the CSP. 

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I have no experience in moving lines, but from what I'm reading it sounds like you are saying that they might deny me, and then if I recon say that they could approve me if I move lines?  I'm just trying to picture this scenario so I don't sound like a lost soul if I do call.  Or, is moving lines something I should ask about beforehand?  I guess I just don't get it because I have 8k in exposure to them now, and I still would if I moved a line around....

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If you are going to use a HP for a CLI request, i would personally take my chances and use that HP for the CSP. You have history with Chase and you gotta remember they also have their own internal scoring. If you really want the card then just apply for it, you may actually be surprised. If you get the pending message the call right away and let them know that you are willing to reallocate limits or even close a card. It comes down how bad you want the card...good luck and keep us updated if you decide to go for it eagle!

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^^this

[EaglesFan2006]

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@09Lexie wrote:

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@dodgerslv wrote:

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@EaglesFan2006 wrote:

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@09Lexie wrote:

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@EaglesFan2006 wrote:

I meant 3 HPs because it would be two to try and raise the other 2 limits and one for the CSP..

Thanks Lexie!  But what do you mean by "move the Disney line first"

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If you were approved and had to reallocate some CL's, I would move most of the Disney Visa.  You can still have the benefits for Disney Parks but get the 2% for travel/dining with the CSP. 

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I have no experience in moving lines, but from what I'm reading it sounds like you are saying that they might deny me, and then if I recon say that they could approve me if I move lines?  I'm just trying to picture this scenario so I don't sound like a lost soul if I do call.  Or, is moving lines something I should ask about beforehand?  I guess I just don't get it because I have 8k in exposure to them now, and I still would if I moved a line around....

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If you are going to use a HP for a CLI request, i would personally take my chances and use that HP for the CSP. You have history with Chase and you gotta remember they also have their own internal scoring. If you really want the card then just apply for it, you may actually be surprised. If you get the pending message the call right away and let them know that you are willing to reallocate limits or even close a card. It comes down how bad you want the card...good luck and keep us updated if you decide to go for it eagle!

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^^this

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Thanks all!  I'm going to take a day or two to make sure I want to go for it.  I'll be sure to let everyone know the verdict once I do!