No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
@Anonymous wrote:
@CreditCuriosity wrote:What is the phone #, have some time today i might as well be proactive about it as have a few obscene lines with them and nip it in the butt before getting the letters . Special # or just number on back of card?
@CreditCuriosity no ... no ... no remember? "Don't poke the bear"!
Right. Because we don't know exactly what the criteria is for CLD.
I dont have a letter yet.
Use on Freedom is quite erratic, it ranges from $200 (ish), to $700-800 hundred per month.
Limit is $11,000.00, so not even 1%
It's been used every month since the approval.
CSR, use varies from $500 to a few thousand per month. Again, a relatively small percentage compared to the limit, which isnt really high, $16,700.00
Also used every month since it's been approved.
Chase is still my primary FI.
No letters for me either; I don't really expect them. I just looked and I have only spent $33k in the past year and $18.5k in the past 6 months on my 3 Chase cards: $20k CSR, $23k CFU, $6500 CF. Guess that averages out to $2750 a month on $49,500 in lines - around 5%, not exactly pushing up against the credit lines. While not exactly "pack of gum every 6 months," I've had a month or two with no usage at all on CSR or Freedom (especially Freedom where the categories often aren't good for me at all) here and there.
Only in my world does this happen...I get a PM telling me my math is wrong 😂
It isnt. I looked at last year spend breakdown, and I used 1%-2% of my limit when amortized over time.
While I had some large purchases on it, there were also times when they got pitty $fiddy.00 and called it a month.
@K-in-Boston wrote:No letters for me either; I don't really expect them. I just looked and I have only spent $33k in the past year and $18.5k in the past 6 months on my 3 Chase cards: $20k CSR, $23k CFU, $6500 CF. Guess that averages out to $2750 a month on $49,500 in lines - around 5%, not exactly pushing up against the credit lines. While not exactly "pack of gum every 6 months," I've had a month or two with no usage at all on CSR or Freedom (especially Freedom where the categories often aren't good for me at all) here and there.
@Remedios wrote:
@K-in-Boston wrote:No letters for me either; I don't really expect them. I just looked and I have only spent $33k in the past year and $18.5k in the past 6 months on my 3 Chase cards: $20k CSR, $23k CFU, $6500 CF. Guess that averages out to $2750 a month on $49,500 in lines - around 5%, not exactly pushing up against the credit lines. While not exactly "pack of gum every 6 months," I've had a month or two with no usage at all on CSR or Freedom (especially Freedom where the categories often aren't good for me at all) here and there.
🎼 Goodbye horses limits... 🎵
CSR limit is 35k.. Use to use for about 2k a month, but thanks to CV-19 around 500ish lately, but ramping up again. Marriot CL 20k, obviously very little if any spend on that lately. So who knows maybe ill get a letter maybe I wont shrug, but saw a few SP's from chase around the start of the month shrug. Not worried about freedom as that is 5k and a VS so that wont get cut and IHG is only 1k for free night so not worried about that one
@CreditCuriosity wrote:What is the phone #, have some time today i might as well be proactive about it as have a few obscene lines with them and nip it in the butt before getting the letters . Special # or just number on back of card?
@CreditCuriosity I just called the number on the back of my card and it goes straight to JPMC and the hold times are always non-existent. 800-436-7970
@CreditCuriosity wrote:CSR limit is 35k.. Use to use for about 2k a month, but thanks to CV-19 around 500ish lately, but ramping up again. Marriot CL 20k, obviously very little if any spend on that lately. So who knows maybe ill get a letter maybe I wont shrug, but saw a few SP's from chase around the start of the month shrug. Not worried about freedom as that is 5k and a VS so that wont get cut and IHG is only 1k for free night so not worried about that one
@CreditCuriosity and @K-in-Boston have decent usage and I don't think you'll get any letters, but it's nice to know that if you do, it's just a quick call and you'll get it back
I haven't received a letter either. I spent about 500 total for the last 6 months on it. If I wasn't aiming for another chase card in the next year I wouldn't care but I am. I might need to move some credit limit in case my Amazon prime card limit isn't up to my liking.